浅谈P2P网络借贷的风险与监管对策

The Risks and Supervisions of P2P Lending

近年来,网络借贷平台发展迅速,作为一个特殊的经济贷款模式,P2P网络借贷以其自身借贷条件低、手续便利、经济实惠等特点,获得了许多个人或是小微企业的青睐,从而使P2P网络贷款迅速发展壮大。当今,我国还没有一部统一的法律来规范P2P网络借贷平台。在P2P网络借贷平台活跃发展的今天,"规定空白"会滋生大量网络借贷违法行为的出现,不利于国民经济以及P2P行业的发展。因此,认清网络借贷平台的风险与加强对其的监管是当前一项重要的任务。

In recent years,network lending has developed rapidly.As a special economic lending mode,P2P lending has won the favor of many individuals or small and micro businesses because of its convenient borrowing conditions and procedures.However, we haven't passed a unified law to regulate P2P lending in China. Nowadays,with the active development of P2P lending,the "blank regulation" will breed a large number of illegal acts of network lending,which is not con-ducive to the development of the national economy and the P2P lending. Therefore,it is very important to recognize the risks of the network lending and strengthen the supervisions.