我国网贷行业现状及风险防范研究

我国网贷行业发展迅猛,已成为中国金融市场重要的生力军。然而,与网贷行业繁荣发展相伴,网贷问题平台的数量也不断攀升,资金管控不利、信用风险防范体系不健全、信息安全防范能力不足等问题也愈加突出。为确保网贷行业的健康发展,亟须加快健全网贷资金监管机制,完善社会征信体系以及网贷平台信息安全的联防联控机制。

China＇ s net lending industry is developing rapidly and has becoming an important force of China financial market. However, with net lending industry＇ s prosperity and development, the number of net loan question platform is also rising, the issues such as capital control adverse, credit system is not perfect, the lack of information security defense capability are also increasingly prominent. To ensure the healthy development of the net loan industry, it is urgent speeding up to establish and improve the net loan fund supervision mechanism, improve on the social credit system and the information security jointly prevention and control mechanism of net lending platform.