| 对余额宝所引发法律问题的思考--基于金融创新的视角 |
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| 引用本文： | 黎四奇,李时琼.对余额宝所引发法律问题的思考--基于金融创新的视角[J].中南工业大学学报(社会科学版),2014(3):113-119. |
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| 作者姓名： | 黎四奇 李时琼 |
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| 作者单位： | 湖南大学法学院,湖南长沙410082 |
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| 基金项目： | “教育部新世纪优秀人才支持计划”（NCET120175）：教育部哲学社会科学重大课题攻关项目“加快发展民营金融机构的法律保障研究”（13JZD012） |
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| 摘 要： | 作为一项金融创新，“余额宝”打破了利益的平衡，对传统金融秩序格局产生了强大的心理冲击效应。基于立场的不同，在理论界与社会界掀起了一场关于“宝宝”业务的存废之争，但激情并不能结出理性之果。在人类智识存在局限的条件下，对余额宝的利弊进行利益称量、平衡与取舍，并对创新怀有适度的宽容与鼓励，才能使激烈的言论在意见分歧的情况下获得公正竞赛的机会。
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| 关 键 词： | 余额宝 金融创新 规制 |
On legal issues about Yu E Bao from the angle of financial innovation |
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| LI Siqi,LI Shiqiong.On legal issues about Yu E Bao from the angle of financial innovation[J].Social Science Journal For Central South University of Technology,2014(3):113-119. |
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| Authors: | LI Siqi LI Shiqiong |
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| Institution: | (School of Law, Hunan University, Changsha 410082, China) |
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| Abstract: | As a financial innovation, Yu E Bao breaks the balance of interest, and has produced strong psychological effect on the traditional pattern of order. From different angles, there exists a dispute about the certainty and the abrogation of this innovation. Passion can’t give rise to a reasonable result. Right judgment can be obtained through heated debates only under the circumstance of human being’s own limits, on the basis of interest evaluation and with due tolerance and encouragement. |
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| Keywords: | Yu E Bao financial innovation regulation |
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