行为金融信息中介的网贷平台信息披露规则

Information Disclosure Rules of Peer-to-Peer Lending Platforms as Financial Information Intermediary

从金融属性上看,网贷平台提供的是借贷信息中介服务。信息披露是其主营业务内容,平台不能参与借贷交易,否则将使流动性等风险大量集中到平台并引发严重后果。从法律性质来看,网贷平台则是借贷居间商,应当向交易双方履行相应的信息披露义务。网贷业务兼具金融和网络化特点,我国《合同法》第425条的一般性规定无法有效规制网贷平台的信息披露行为。P2P网络借贷信息披露监管规范虽初具体系,但还需围绕投资者等金融消费者保护这一根本宗旨进行改进,使信息披露内容以普通消费者等客户认知水平和需求为导向,信息披露义务的履行贯穿借贷合同存续的全过程,平台违反信息披露义务应当承担相应的民事责任等。

From the perspective of financial nature,a peer-to-peer lending platform provides intermediary services of lending information.The platform cannot participate in lending transactions,otherwise the risk of liquidity and other risks will be concentrated on,causing serious consequences.From the perspective of legal nature,a peer-to-peer lending platform is a lending broker,which should perform the information disclosure obligation to the transaction parties.Since the peer-to-peer lending business has both the characteristics of financially risky and networked,the general stipulation of article 425 of China s contract law cannot effectively regulate the information disclosure behaviour of the platforms.China s peer-to-peer lending regulation system needs to be improved to provide effective protection for ordinary investors and other financial consumers.The information disclosure regulation should be made on the basis of consumers cognitive levels and needs.The information disdosure obligation should be performed throughout the whole loan process.Meanwhile,the peer-to-peer lending platform in violation of information disclosure obligations should undertake corresponding civil liabilities,etc.