债权流转型P2P金融的法律监管制度之完善

On the Improvement of Legal Supervision System of P2P Finance of Credit Flow Transition

随着互联网金融发展的深入,债权流转型P2P金融出现了"平台+类金融机构"的新模式,并引发了不同程度的法律争议和风险。我国关于互联网金融的法规政策渐次出台,表面上否认了债权流转型P2P金融的合法性,实质上仍然在平台合作尤其是"关联交易"方面的政策表态上选择了回避。在当前互联网金融方兴未艾的大环境下,我国金融监管部门面对类似于债权流转型P2P金融这样的新型金融模式,应在鼓励互联网创新与维护金融秩序稳定的平衡之下,尽快明确政策导向,以逐渐放开的姿态实现互联网金融法律监管制度的构建和完善。

With the deepening of the development of Internet finance,there is a new model of ＂platform financial institutions＂in P2 P finance of credit flow transition,which has caused certain legal disputes and risks. The regulations and policies on the Internet finance in our country has been gradually introduced. On the surface,it denies the legitimacy of the P2 P finance of credit flow transition. In essence,it avoids the policy position on the platform cooperation especially the ＂related party transactions＂. In the current environment of ascendant Internet finance,China＇s financial supervision department should make clear the policy orientation as soon as possible and realize the construction and improvement of the legal supervision system of Internet finance gradually openly in the face of such a new financial model as P2 P finance of credit flow transition on the base of encouraging Internet innovation and maintaining the balance of the financial order and stability.