Kiva风控体系对完善我国P2P监管政策的启示

Kiva Risk Control System to Perfect our P2P Regulatory Policy Enlightenment

2015年,央行牵头发布了《关于促进互联网金融健康发展的指导意见》,期待已久的P2P监管政策终于落地。然而,P2P平台跑路、诈骗以及道德风险的存在,使我国在P2P风险监管政策上还需细化和扩展,而美国非营利性平台—Kiva以其独特的风控制度实现了对平台风险良好控制,加之其双层的风控结构可以为我国P2P风险监管政策完善提供重要思路。

This year, the central bank to take the lead issued the guiding opinions on promoting the healthy development of the Internet financial, long-awaited P2 P regulatory policy finally fall to the ground. However, P2 P platform run, fraud, and the existence of moral hazard, make on P2 P risk regulation policy in China still need to refine and expand, and notfor-profit platform in the United States- Kiva by its unique risk control system to realize the good control of platform risk, together with its double the risk of control structure can provide important idea for improve the P2 P risk regulation policy in China.