P2P网贷与非法集资

Peer-to-Peer Lending and Illegal Financing

P2P网贷近年来在中国蓬勃发展,但其中蕴含了非法集资的风险。从性质上分析,所有的P2P网贷都构成了非法集资活动。但考虑到合理的社会需求,监管者可以在不触及犯罪底线和控制风险的前提下,通过适度监管,允许其在一定范围内自由发展。监管者应当颁布安全港规则,划定合法的边界,引导中国P2P网贷业界采取合理和适当的商业模式,保护投资者和借款人的合法权益。

Peer-to-peer lending is booming in China. From the view of financial laws, P2P lending is illegal financing. But P2P＇s booming in china is based on the financial repression environment. To satisfy some reasonable social needs, financial regulators should tolerate the existence of some P2P lending while control risks of P2P lending in general. To control risks, regulators must make clear that some business models are forbidden, and provide some safe harbors