网络借贷洗钱风险应予以高度关注

Paying More Attention to Money-laundering Risk of Network Borrowing and Lending

网络借贷是指借款人和贷款人通过互联网平台实现借贷的在线交易,其用户认证、借贷交易、资金清偿等环节均通过互联网来完成。该类贷款以"网络+民间借贷"的形式融资,且方便、快捷、无需担保,满足了部分特定群体的融资需求,但由于缺乏有效监管,存在诸多洗钱风险,应高度关注。本文对近年来我国网络借贷发展情况及存在的问题进行了阐述,并提出了合理化建议。

Network borrowing and lending refers to that borrowers and lenders realize the online borrowing and lending through the internet platform,among which the user authentication,lending transactions and funds settlement are all completed via the internet.Loans of this kind take the form of 'Network + Private Financing' to get funds,and have the features of convenience and without collateral,which meets the financing needs of specific groups.But due to the lack of effective supervision,there exists money-laundering risk that should be highly concerned with.The paper expatiates on the development and problems of the network borrowing and lending in china,and puts forward reasonable suggestions.