我国P2P网贷资金存管制度影响因素研究——基于博弈理论视角

Research on the Influencing Factors of P2P Online Loan Fund Depositing System——Based on Game Theory

自2016年我国P2P互联网借贷产业进入"监管元年"开始,金融监管机构陆续出台若干监管政策,指引P2P产业趋于良性、规范化发展。尤其是在2017年,由银监会出台《网络借贷资金存管业务指引》,标志着我国P2P平台资金监管正式开始。但是,从政策的实际执行效果来看,真正实现资金存管的平台并不多,只占总运营平台的35%。因此,文章从博弈论角度出发,探究影响P2P资金存管制度的因素,并从商业银行、监管机构以及P2P平台角度出发,提出各自发展的建议。

Since 2016,China's P2P lending industry has entered the"year of supervision",and financial regulatory agencies have introduced a number of regulatory policies to guide the P2P industry to a benign and standardized development.Especially in 2017,the CBRC has published Guidance on the Management of Network Lending Funds,which marked the beginning of China's P2P capital supervision.However,from the actual implementation effects of the policy,there are only 35%P2P platforms,which have realized the capital deposit management.Therefore,in this paper,the perspective of game theory is to explore the factors,which affect the deposit and management of P2P funds,and it is essential for commercial banks,regulatory agencies and the P2P platform to put forward their development proposals.