P2P网贷平台公司治理机制研究

Study on P2P lending platform corporate governance

P2P网贷平台合理有效的公司治理经营体系是防范平台信用风险的关键。文章首先对P2P网贷平台公司治理现状进行分析,发现运作方式不合规、业务模式不规范、股权结构不合理以及金融科技水平不完备是其公司治理过程中存在的主要问题;其次,通过对美国P2P网贷平台市场主导型公司治理模式与德国内部监管型公司治理模式的分析,总结出我国P2P网贷平台可借鉴的公司治理与监管经验;最后,结合我国P2P网贷平台公司治理特点,从运营模式、股权结构、激励机制等方面构建出我国P2P网贷平台公司治理运行机制。

As a key to preventing the credit risk of the platform,this paper first analyzes the corporate governance status of P2P lending platform,and finds that the non-compliance of the operating mode,the non-standard business model,the unreasonable ownership structure,and the incomplete financial and technological level are the main problems in the corporate governance process.Secondly,through the analysis of the U.S.P2P lending platform market-led corporate governance model and the German internal regulatory corporate governance model,this paper summarizes the experience of corporate governance and regulation that can be used for P2P lending platform in China.Finally,combining the characteristics of corporate governance of P2P lending platform in China,a compliance system for corporate governance of P2P online loan platform in China is constructed from the aspects of operating model,equity structure,and incentive mechanism.