论P2P网贷限额制度的确立与完善——基于信息不对称的视角

The Establishment and Improvements about the Quota Regulation of Peer-to-peer Lending——Based on the Perspective of Information Asymmetry

互联网让借贷双方之间的信息不对称变得更为复杂,通过信息披露方式无法有效规制P2P网络借贷中的信息不对称,而对出借与借款数额的限制可弥补其缺憾。现今P2P网贷限额制度已初步确立,但在设定主体、具体限额、弹性空间方面仍存在诸多不足。建议统一出借限额与借款限额设定主体,调整借款最高限额并设立出借最高限额,并实行借款限额分级制和出借限额分级制。

The Internet complicates information asymmetry between lenders and borrowers.The system of information disclosure has some limitation towards governing information asymmetry in the process of of peertopeer lending,and the quota regulation can supply a gap.Now the quota regulation of peer-to-peer lending is set up preliminarily,but there is some deficiency in subjects of stipulation,specificquota and flexiblespace.We should unify the subjects of lending quota and borrowing quota,adjust supreme borrowing quota and stipulate lending quota,and classify lending quota and borrowing quota.