我国互联网金融信用风险控制及监管研究——以P2P网络借贷模式为例

Study on Control and Supervision of Credit Risk in China's Internet Finance:Taking P2P Platform as Example

伴随互联网技术的发展和普及,电子商务逐渐出现在人们的视野,以互联网支付、P2P借贷、众筹以及第三方金融服务为主要形式的互联网金融也随之兴起。其中,P2P借贷凭其风险成本及风控成本分担机制,吸引了大批中小投资者参与融资,填充了中国小微企业借贷的空白市场;但是,由于互联网金融市场仍处于发展初期,P2P借贷模式中信用风险、技术风险和法律风险交相充斥,风险控制机制并不成熟,如何为金融消费者提供相对安全的投资环境,降低借款人信用风险,成为衡量P2P平台质量的重要指标,更是平台竞争的核心所在。

With the development and popularization of Internet technology, e-commerce has gradually ap- peared in people＇s field of vision. The Internet financial also will rise, for example, paid Internet, peer-topeer lending, and the third-party financial services. By its risk control cost and risk sharing mechanism, P2P lending has attracted a large number of small and medium-sized investors to participate in financing, and has filled the blank market of China＇s small and micro enterprises＂ borrowing. However, because the Internet financial market is still in the early stage of development, the P2P lending has credit risk, tech- nology risk and legal risk. At the same time, the risk control mechanism is not mature. How to provide a relatively safe investment environment for financial consumers and reduce the borrower＇s credit^risk has be- come an important indicator to measure the quality of P2P platform, and it＇s also the core of platform competition.