P2P网络借贷平台信息披露制度存在的问题与对策

Problems for Information Disclosure Institution of P2P Network Lending Platform and Countermeasures

在国内外的监管体系中,信息披露是P2P网络借贷行业出借人利益保护的基本制度安排。P2P网贷平台信息披露的根本价值在于保护出借人,亦能发挥P2P网贷平台优势,促进行业健康发展。国内P2P网贷行业信息披露方面的规范及草案可以分为法律法规、行业规定和平台自身的规定三个层次。要建立健全P2P网贷平台信息披露制度,应平衡利益冲突,进一步提高信息披露的有效性,增强信息披露的强制性,完善评价性信息的披露。

In the domestic and foreign regulatory system, information disclosure is the basic institutional arrangements of P2P network lending industry to protect the interests of the lenders. The fundamental value of information disclosure of P2P network lending platform lies in the protection of the lenders, and also exerts the advantages of P2P network lending platform and promotes the healthy development of the industry. The norms and information disclosure for domestic P2P network lending industry include three perspectives： laws and regulations, industry regulations and the provisions of the platform itself. It＇ s necessary for the establishment and improvement of information disclosure institution of P2P network lending platform to balance the conflict of interests, further improve the effectiveness of information disclosure, enhance the mandatory requirements of information disclosure, and improve the disclosure of evaluation information.