我国P2P网贷行业乱象:表现、根源与监管

Chaotic Phenomena,Reason and Regulatory Recommendations of Peer-to-Peer Lending Industry in China

P2P网贷作为"互联网+金融"及普惠金融的典型形式,在我国呈现爆发性增长的态势。与此同时,行业乱象丛生,平台跑路、资金池、虚假标的、刚性兑付等严重影响行业声誉及秩序,严重侵害投资者权益。我国P2P网贷行业乱象源于行业法律法规体系不完备、监管缺失、缺乏有效的征信体系支持及极低的行业准入门槛。应从明确P2P网贷行业性质及监管主体、制定P2P网贷行业法律法规及行业规范、完善征信制度及体系、严厉打击行业乱象、加强行业自律组织建设五个方面进行监管,促进行业的规范健康发展。

Peer-to-Peer lending industry is the typical form of ＂Internet＋ Finance＂ and Inclusive Finance.It presents explosive growth trend in China.But at the same time,the industry has a lot of chaotic phenomena.These chaotic phenomena include the following four aspects,escaping with money,establishing capital pool,false investment targets and rigid payment.These chaotic phenomena seriously affect the reputation and order of the industry,and cause serious violations of the interests of investors.The causes of these chaotic phenomena include lack of industry laws and regulations,lack of regulation,lack of effective credit system and extremely low industry barriers to entry.Industry regulations should be improved from the following five aspects,including determining the nature of the p2p lending industry and regulators,improving the credit reporting system,toughing on chaotic phenomena and strengthening industry self-discipline organization.