P2P网络借贷行业地方监管的问题与对策

The Problems and Countermeasures of the Local Regulation of P2P Lending Industry

P2P网络借贷以其能切实缓解小微企业融资难而广受欢迎,是互联网金融的核心模式之一。P2P网络借贷行业在各地方的风险成因、表现形式不同。地方政府必须细化P2P网络借贷行业的地方性监管策略,以保证P2P网络借贷业务健康持续发展。一方面有利于落实国家层面对于P2P网络借贷行业的监管指引和办法;另一方面为地方P2P网络借贷行业制定具有针对性和导向性的监管策略和扶持政策,将P2P网络借贷与地方经济深度融合,推进地方P2P网络借贷行业的健康发展,促进地方经济转型升级。

As one of the core mode of Internet finance,Peer-to-Peer(P2P) lending is generally welcome because it can effectively ease the financing difficulties of small and micro enterprises.The risk causes and the form of P2 P lending industry in different regions is different.Local governments must refine the local regulatory strategies for P2 P lending industry to ensure the healthy and sustainable development.On the one hand,local regulation is conducive to carry out the national level regulatory guidelines and measures for the P2 P lending industry; on the other hand,local regulation can establish targeted and orientedregulatory policies and supporting policies for the local P2 P lending,deeply integrate P2 P lending and local economy,promote the healthy development of the P2 P lending industry,and promote the transformation and upgrading of the local economy.