从中美差异性透视我国P2P网贷市场的发展

Research on the Development of China's P2P Net Loan Market from the Sino-US Differences

由于中美监管体制、信用体系以及市场机制的不同,使得中美P2P发展在规模与风险、经营模式、投资者资金安全性保障以及平台运行质量等方面表现出极大的差异性。当下而言,政府当局应该正视这种差异性的存在,并能够透过中美P2P发展的差异性,结合国内现实情况,取其精华,去其糟粕,从明确监管法规,加快多层次监管体系建设入手,规范我国P2P网贷市场的发展;以完善的信用体系建设为抓手,鼓励行业自律来实现经营模式的转变;以合法合规经营为原则,着力推进多层次资本市场体系建设,降低投资者资金风险,最终实现我国P2P网贷市场的健康、可持续发展。

Due to the Sino-US differences of regulatory system,credit system and market mechanism,the Sino-US P2P development showed great differences in scale and risk,business model,investor’s funds security guarantee as well as platform running quality. At the moment,the government authorities should face up to the differences,through the development of Sino-US P2P differences,combine with domestic reality,select the essence and discard the dross,regulate the development of P2P net loan market begin with clear regulations and accelerate multi-level monitoring system construction; take the perfect credit system construction as the grasp,encourage industrial self-discipline to realize the transformation of business model; take lawful business operations as the principle,make great efforts to promote the construction of multi-level capital market system to reduce the risk of investors funds,and eventually realize the healthy and sustainable development of China’s P2P net loan market.