摘要
网贷评级行业盲目无序发展滋生了种种乱象,部分评级行为存在误导的可能与诋毁的嫌疑。网贷评级作为网贷市场的衍生产物,其产生背景在于网贷行业监管缺失与平台异化。随着网贷市场迈向法治化,网贷评级机构自身应当规范所谓的评级行为,实现功能重塑,从应急之需走向长远发展。
The blind and disorderly development of online loan rating industry in China has resulted in various chaos; some of the rating behavior are suspected to be misleading and slander. Online loan rating is a derivative of the online loan market; its background lies in lack of supervision over online loan industry and the special circumstances of the alienation of the platform. With online loan market stepping to the legal governance, the online loan rating agencies should regulate their own rating behavior, achieve functional remodeling, and change from the need for emergency into long-term development.
出处
《征信》
2016年第8期57-62,共6页
Credit Reference
关键词
网贷评级
P2P网贷
信用评级
监管
online loan rating
P2P online loan
credit rating
supervision
