P2P网贷信用征信:金融分析与法律建构

P2P Credit Registry System: Financial Analysis and Legal Construction

健全的征信系统是金融体系运行的基石。交易成本理论证明征信能有效降低信息不对称,减少信用与违约风险,提高信贷效率。P2P行业在我国急速发展的背后,凸显出征信体系缺失的问题。征信业法律规范缺失,效力层次较低;行业监管框架不明确;征信标准化工作滞后,征信数据共享机制不健全是P2P征信领域最核心的现实性问题。明确法律地位,完善立法框架,强化征信业监管,推动信息共享机制的完善并保护信息主体的合法权益是建构、完善以P2P为代表的互联网金融行业征信框架的应有之义。

A sound credit system is the cornerstone for the healthy running of financial system. The transaction costs theory have proved that credit reporting could effectively reduce information asymmetry, and credit default risks, thus improve credit loaning efficiency. Although the P2P industry is maintaining a high speed development in China, it is facing with the problem of credit system deficiency. The core problems are insufficient legal norms, low level potency, undefined industrial supervision framework, hysteretic credit standardization, and imperfect credit information sharing mechanism. Therefore, we should clarify legal status, improve legislative framework, strengthen credit reporting industry regulation, promote the mechanism of information sharing, and also protect the legitimate rights and interests of information subjects.