中国网络借贷平台监管体系构建及实施研究

网络借贷作为一种创新的互联网金融运营模式,近年来在中国得到快速的发展,同时也暴露出巨大的金融风险。目前,网络借贷平台由各地金融监管部门管理,监管措施比较分散。为了促进互联网金融健康发展,完善金融监管协调机制,守住不发生系统性、区域性金融风险的底线,需要建立起有效的网络借贷平台监管体系。本文探讨了监管主体、监管内容,以及监管实施中将遇到的问题。

As the innovative operation model of internet finance,Network Lending has developed rapidly in China,and exposed enormous financial risks.So far the supervisory measures had been decentralized,Separately managed by local financial supervisiondepartment.In order to promote the healthy development of Internet finance,improve the mechanism for coordinating financial supervision,and ensure that no systemic or regional financial risks occur,we should establish the efficient supervision systemof internet lending platform,this article discussed the supervision of the main body,the content of regulation and the problem in the Implementation.