P2P网络借贷平台的风险识别与监管研究——基于信息中介视角

Research on Risk Identification and Supervision of P2P Network Lending Platform——Based on the Information Agency Perspective

P2P网络借贷平台一方面为个体与中小企业提供了新的融资渠道,为我国普惠金融的发展增添动力;另一方面P2P网络借贷平台良莠不齐,诸多问题平台频发"跑路潮",蕴含了极高的金融风险。2016年新出台的法规明晰P2P平台的信息中介性质,为研究P2P网络借贷平台的风险识别与监管指明了方向。基于信息中介视角,有效识别P2P网络借贷平台的信用风险、运营风险和科技风险,通过梳理我国P2P网贷平台的规制历程和规制逻辑,得出现行监管办法的缺陷,并进一步给出相关监管的政策建议。

A P2P network lending platform provides a new financing channel for individuals and small and medium-sized enterprises, to promote Chinese development of Inclusive Finance, on the other hand, there are many problems in the P2P network lending platform to escape, contains a high financial risk. In 2016, the new regulations clearly defined the information intermediary nature of P2P platform, which pointed out the direction of risk identification and supervision for P2P network lending platform. From the perspective of information intermediary based on the recognition of the P2P network lending platform credit risk, operational risk and technology risk, through the regulation of carding process in China P2P net loan platform and regulation logic, have defects for regulatory measures, and further give the relevant regulatory policy recommendations.