我国P2P网贷平台存在的问题及可持续发展路径研究

Problems for P2P Online Lending Platforms in China and the Sustainable Development Path

随着P2P网贷平台的发展,平台风险问题不断暴露,2018年更是出现了集体暴雷现象。P2P平台在发展过程中存在着平台运营信息不透明、第三方资金存管不规范、风险管理机制不健全、准入门槛过低、缺乏有效监管的问题。未来P2P网贷行业应通过建立完善的信息披露机制,建立以银行存管为中心的资金存管模式,建立完善的风险管理机制,建立严格准入机制,以及进一步完善监督机制等措施,实现P2P网贷平台的转型升级和跨越式发展,促进普惠金融行业健康发展。

With the development of P2P online lending platforms, the platform risks have been exposed continuously, and collective thunderstorm phenomenon has appeared in 2018. In the development of P2P platforms, there are some problems, such as opaque operation information, non-standard third-party fund storage, imperfect risk management mechanism, low access threshold and lack of effective supervision. In the future, to realize the transformation, upgrading and leapfrogging development of the P2P online lending platform and promote the healthy development of inclusive financial industry, the P2P online lending industry should build a sound information disclosure mechanism, establish a bank deposit-centered fund deposit management model, set up a sound risk management mechanism, establish a strict access mechanism, and further improve the supervision mechanism.