网络借贷中借款人道德风险行为分析及规制策略

Regulation Strategies for Moral Hazard Behaviors from Borrowers in Peer-To-Peer Lending

网络借贷作为最能体现互联网金融精神的一种新型金融组织形式,在解决跨地域、跨时空的小微企业以及个人融资难题上发挥了重要作用。网络借贷在通过现代信息技术手段解决民间融资难题的同时,也不可避免地面临着难以监控的道德风险,随着《网络借贷信息中介机构业务活动管理暂行办法》的出台,网络借贷平台的道德风险行为势必会得到一定程度的抑制,然而对于借款人的道德风险违约行为,依然存在着规制空白。由此,如何规避拥有绝对信息优势且缺乏抵押担保资产借款人的道德风险行为成为亟待解决的关键科学问题。

Peer - to - peer lending is an innovative financial moedl that embodys the spirit of internet finance. It plays an important role in solving the financing difficulty for both small and micro businesses and individuals, which are from different areas. Although peer- to -peer lending solves the financing problem by modern information technology, the platforms inevitably encounter the moral hazard behaviors. Tanks to the Interim Measures to Information Intermediaries of Peer - to - Peer Lending, moral hazard behaviors of the platforms are bound to be hindered. However, moral hazard behaviors of borrowers still exist. Thus, it is a critical scientific issues to regulate the moral hazard behaviors of borrowers who have the priority of information and lack the mortgage -backed asset.