信用立法视角下P2P网贷道德风险防范研究

Moral Hazard Prevention in P2P Lending under the Perspective of Credit Legislation

互联网金融需要互联网征信。P2P网贷具有的双重信息不对称的特点导致网贷行业道德风险盛行,借助信用立法加强道德风险防范具有重要意义。现有网贷新规无法弥补我国信用立法和征信体系的缺陷,加之网贷行业信息优势方权义关系的不平衡,P2P网贷中借款人的道德风险依旧严重。借鉴美国借助信用立法规范道德风险的经验,我国P2P网贷监管应从完善信用立法的角度出发,加强顶层设计,加强互联网金融领域征信,要求网贷平台充分履行对外信息披露义务,并应加重信息优势方的法律责任。

Internet finance requires Internet credit. There are serious moral hazard risks in Peer to Peer （P2P） network lending industry due to dual information asymmetry. Thus, it is of great significance to strengthen moral hazard prevention by credit legislation. Current new regulations cannot make up for the deficiencies of credit leg- islation and credit system. And furthermore, the information superiority party in network lending industry cannot balance its rights and obligations, which make the moral hazard of P2P network lending still serious. Under the perspective of credit legislation, legal countermeasures to deal with the serious moral hazard risks of the industry are put forward, trying to further alleviate the information asymmetry situation on the basis of learning from mature experience of foreign credit legislation and credit system construction.