网贷平台发展模式和监管问题研究

The Net Credit Platform Development Mode and Supervision

近年来,以拍拍贷、人人贷等公司为代表的网贷平台快速发展,受到了投资者、资金需求方以及监管机构的广泛关注。相较于传统金融,对于资金供给方,网络借贷有更高的收益率、更好的用户体验和相对较低的进入门槛,对于资金需求方,降低了其融资成本,增加了获得资金的可能性。但是在快速发展过程中,部分网贷平台出现了收益无法兑现,甚至于欺诈等恶性事件。本文拟借鉴国外网贷平台监管的政策,结合我国发展现状,提出相应的证词建议。

In recent years, the rapid development of net credit platform to ppdai, peer-to-peer lending companies such as representative, has attracted wide attention of investors, the capital demander and regulators. Compared with the traditional finance, funds for the supply side, network lending has higher yield, better user experience and relatively low entry threshold, for the capital demander, reduces the financing cost, increases the likelihood of obtaining funds. But in the process of rapid development, part of the net credit platform appeared income cannot cash, and even fraud, Run away malignant events. This paper intends to use for reference foreign net credit platform of regulatory policy, combined with the development situation of our country, put forward the corresponding suggestions for the testimony.