P2P网贷机构清退的难点及对策分析

The Research of Difficulties and Measures in Clearing P2P Lending Institutions——Based on the Evolutionary Game Theory

我国P2P网贷行业在2014年之后出现爆发式增长,通过P2P模式将资金供给方与资金需求方进行对接,但是网贷行业的“爆雷”现象已经严重损害了出借人利益。P2P网贷行业的健康有序发展离不开监管部门的有效监管。为此,本文先利用有限理性的演化动态博弈模型从理论层面来分析P2P平台与出借人之间的行为分析,然后整理了近年来监管当局对于P2P网贷行业的监管措施,并分析了在“175号”文的背景下,P2P网贷机构清退中面临的难点问题,并在此基础上提出了相应的对策建议。

After 2014,China's P2P industry experienced explosive growth.P2P mode is adopted to connect the capital supply side with the capital demand side.However,the"thunderstorm"phenomenon in P2P lending industry has seriously damaged the interests of lenders.The healthy and orderly development of P2P lending industry cannot be separated from the effective supervision of regulatory departments.We first analyzed the behavior between P2P platforms and lenders with the establishment of evolutionary game theory model.Then we sort out the regulatory mea⁃sures of P2P lending industry.We also analyzed the difficult problems that faces in clearing P2P lending institutions in the context of text 175.And on this basis we put forward supervisory suggestion.