以标准化为手段引导和规范我国网络借贷行业健康有序发展

To Guide and Regulate the Healthy and Orderly Development of Network Lending Industry in China by Standardization

网络借贷作为互联网金融的一个分支领域,近年来在我国得到了快速的发展,其不仅在一定程度上缓解了中小企业融资难的问题,而且还在促进金融创新、发展普惠金融、完善金融市场体系、推动金融体制改革等方面,起到了越来越重要的作用。目前,我国网络借贷行业正处于初始期,行业发展的不规范给企业和投资者都带来了不小的风险。本文介绍了网络借贷行业的有关概念,总结了我国网络借贷行业发展的基本情况,提出了以标准化为手段引导和规范我国网络借贷行业健康、有序发展的建议和措施,以期能够更好地保护投资者,规范市场秩序,扩大行业影响,从而为我国网络借贷行业的发展营造一个安全、规范、和谐的良好环境。

As a branch field of internet finance, network lending has made rapid development in China in recent years. Network lending not only has relieved the financing difficulty of small and medium-sized enterprises to a certain extent, but also will play a more and more important role in the fields of promoting financial innovation, developing inclusive finance, perfecting the financial market system and promoting the reform of the financial system. At present, network lending industry in China is in the initial stage, the disorder of industry development has brought great risks to enterprises and investors. This paper introduces relevant concepts and the brief situation of the development of network lending industry in China, and puts forward the suggestion and method of guiding and regulating the healthy and orderly development by standardization in order to protect the investors, regulate market order, and expand the influence of this industry for the sake creating a safe, orderly and harmonious environment for the development of network lending industry in China in the future.