网络借贷监管制度的反思及其理念的重塑

Reflection on the Network Lending Supervision System and Reconstruction of Its Concept

作为微型金融和小额信贷形式的新锐代表,网络借贷被视为实现普惠金融和金融公平价值的有力工具。网络借贷是金融创新的产物,兼具金融及互联网的相关特性,意味着网络借贷自始与风险相生相伴。由于金融创新与监管的动态博弈关系,需要准确定位监管层在网络借贷发展中的角色。良好的监管尺度需要兼顾"效率"与"安全",对互联网金融的监管总体上应当体现开放性、包容性与有效性。在具体制度设计上,应当通过转变监管模式、完善法律体系、提升专业能力、健全征信体系来回应。

As a new generation of microfinance and microfinance, online lending is seen as a powerful tool for achieving fair value in inclusive finance and finance. Online lending is a product of financial innovation, which has both financial and Internet-related characteristics, which means that online lending begins with risks. Due to the dynamic game relationship between financial innovation and regulation, it is necessary to accurately locate the role of the regulatory layer in the development of online lending. A good regulatory scale needs to take into account both "efficiency" and "security". The supervision of Internet finance should generally reflect openness, inclusiveness and effectiveness. A good regulatory scale needs to take into account both "efficiency" and "security". The supervision of Internet finance should generally reflect openness, inclusiveness and effectiveness. Interms of specific system desigh, we should respond by chanying the supervision moob, improving the leyal system, enhancing prefessional ability and improving the credit investigation system.