摘要
P2P网贷平台作为一种新型的互联网金融模式,它有效改善了信贷市场供求的平衡。但在其发展过程中,由于法律法规的缺失,P2P行业缺乏有效监管,诸如虚拟交易、平台跑路、非法集资、集资诈骗等风险性事件频发,影响了行业的健康发展。针对P2P行业现阶段较为突出的风险,提出了尽快出台监管实施细则、构建多层次监管体系等防范对策。
As a new Internet banking model, P2 P net loan platform effectively improves the balance between supply and demand of the credit market. But the industry＇s healthy development has been greatly affected due to the lack of effective supervision because of the lack of relevant laws and regulations, resulting in frequent risk events such as virtual transactions, runaway of the platform runners, illegal fund-raising, fund-raising fraud and so on. In view of the major risks in P2 P industry at the present stage, the author puts forward some legal countermeasures such as formulating the relevant detailed supervision regulations, building a multi-level supervision system, etc.
关键词
P2P网贷平台
法律
风险
防范对策
监管细则
征信系统
P2P net loan platform
law
risk
legal countermeasures
detailed supervision regulation
credit reference system
