规范发展我国P2P网络借贷的策略

The Strategy on Standardizing and developing P2P Network Lending in China

P2P网络借贷是指个体和个体之间通过网络开展直接借贷业务,目前在我国发展迅速。作为一种新兴的民间借贷方式,其为中小企业及私营业主提供了便利快速融资渠道。但由于我国相关法律法规尚未完善,行业监管还不明晰,信用体系建设和信息保护仍不到位,P2P网络借贷亟待规范。应尽快完善法律及配套制度,加强监管引导,完善发展环境,规范网贷平台发展。

P2P network lending refers to the direct lending business between the individual and the mdlwdual through the net- work, which develops rapidly at present in China. As a new way of private lending, P2P network provides a convenient and quick fi- nancing channel for small and medium-sized enterprises and private owners. But because China＇ s relevant laws and regulations have not been perfect, the industry regulation is not clear, and credit system construction and information protection is still not in place, P2P network lending needs to be regulated. Measures should be taken to improve laws and supporting systems as soon as possible, strengthen the regulatory guidance, improve the development environment, and standardize the network lending platform development.