P2P网络借贷的风险与监管问题分析

Analysis on the Risk and Supervision of P2P Network Lending

近年来,作为金融创新的一种形式,我国P2P网贷平台迅猛发展,在解决资金供需矛盾的同时,也出现一系列负面问题,如跑路、提现困难,甚至诈骗等现象。因此,如何对P2P网贷平台进行风险防范和监管成为当前亟需解决的问题。P2P网络借贷的风险主要表现为:借款人引发的风险;投资人引发的风险;担保人引发的风险;平台引发的风险。对P2P网络借贷进行风险防范和监管的措施应包括:完善相关法律体系,明确法律地位;完善网络借贷行业规则和监管标准;建立完善透明的征信机制;加强网贷平台的行为监管;加强消费者保护和消费者风险教育。

In recent years, as a form of financial innovation, the P2P online lending platform has developed rapidly in China, while resolving the contradiction between supply and demand of funds, there are also a series of negative problems, such as running, difficulty in cash withdrawal, and even fraud.Therefore, how to prevent and supervise the risk of P2P network lending platform has become an urgent problem to be solved.The risks of P2P network lending are mainly as follows: risks caused by borrowers; risks caused by investors; risks caused by guarantors; risks caused by platforms.Measures for risk prevention and supervision of P2P network lending should include:improving relevant legal systems, clarifying legal status; improving online lending industry rules and regulatory standards; establishing a sound and transparent credit reporting mechanism; strengthening the behavioral supervision of online lending platforms;strengthening consumer protection and consumer risk education.