新监管体系下我国P2P网贷风险管控现状的检视及改进对策

Inspection and Improvement Countermeasures of China's P2P Online Loan Risk Management and Control under the New Supervision System

我国P2P网贷行业经历近多年的无序发展之后,逐渐进入监管法规初步确立、规范发展的新阶段。新监管体系下,由于P2P网贷行业自身的属性特点,其风险依然突出。本文基于新监管体系的规则要求,系统检视了我国P2P网贷外部监管和内部控制制度建设两个层面取得的成效及存在的薄弱环节和问题,认为应从建立专职的互联网金融监管机构、创新监管手段提高监管的科技化信息化水平、实行严格市场准入和信息披露制度、切实落实P2P资金存管制度要求等方面大力推进P2P网贷监管体制、机制和制度建设,通过建立健全平台治理机制、完善平台内部风控体系、提高平台产品信息披露程度和水平等措施加强P2P网贷平台自身建设,以及加强网贷行业自律机制建设,以确保P2P网贷行业健康、有序、平稳发展。

After experiencing the disorderly development in China in recent years, P2P online loan industry has gradually entered a new stage of preliminary establishment of regulatory regulations and standardized development. Under the new supervision system, due to the characteristics of the P2P online loan industry, its risks are still out. standing. Based on the requirements of the new regulatory system, this paper examines the effectiveness and existing weaknesses and problems of P2P online loan external supervision and internal control system construction in China, and believes that we should start from aspects including establishing a full-time Internet financial regulatory agen. cy, innovating supervision means to improve the level of scientific and technological informationization of supervi. sion, implementing strict market access and information disclosure systems and effectively implementing the P2P fund depository system requirements. Only in this way can we promote the construction of P2P online loan supervi. sion system. Besides, we should strengthen the construction of P2P online loan platform itself through measures such as establishing a sound platform governance mechanism, improving the internal risk control system of the platform, and improving the information disclosure level of platform products and strengthen the construction of self-disci. pline mechanism in the online loan industry to ensure a healthy, orderly and stable development of the P2P online loan industry.