论P2P行业发展的机制风险及政策建议——兼谈Lending Club违规案例的启示

On the Mechanism Risks and Policy Suggestion on the Development of Peer-to-peer Lending Industry——Based on the Revelation of Lending Club's Violation

通过介绍Lending Club的业务模式和违规案例情况,分析P2P行业发展的固有业务局限和机制风险,针对国内P2P行业的监管现状及问题,对互联网金融行业监管提出细化专项整治、探索穿透式监管及强化信息披露和完善征信体系建设等方面的政策建议。

This paper analyzes the inherent limitations and mechanism risks of peer-to-peer lending industry through the analysis of the business model of Lending Club and its violation operation,and puts forward some policy suggestions on the supervision of internet finance industry like refining special rectification,exploring close supervision and improving the construction of credit system in China.