网贷平台市场退出的障碍与完善路径——基于投资者保护视角

The Obstacles and Improvement Path for the Withdrawal of Internet Loan Platform Market——From the Perspective of Investor Protection

作为网络借贷的信息中介,网贷平台在市场退出过程中,要处理与各投资主体之间的关系,投资者保护面临巨大挑战。随着网络借贷进入监管时代,平台的发展受到更严格的约束,不适应市场竞争的平台主动或被动地寻求各种退出方式。但在网贷机构的治理过程中,很多平台因受到各种因素或压力的影响而选择清盘退出或转型。由于缺乏完善的良性退出机制,不少选择退出的平台在实际操作中遇到诸多问题,最终演化成恶性退出,出借人因此受到巨大损失。目前网贷平台市场退出存在恶性退出比例高、风险处置效率低、退出程序复杂漫长等方面问题。要解决这些问题,我国必须以保护投资者利益为导向,完善网贷平台市场退出制度,强化监管,提高网贷平台市场退出的安全性和效率性,促进我国网贷市场的健康发展。

As the information intermediary of internet lending,the internet loan platform has to deal with the relationship among each investor during the market withdrawal process,and the investor protection is faced with great challenges.As internet lending enters the era of regulation,the development of platforms is subject to more stringent constraints.Platforms that do not adapt to market competition actively or passively seek various exit methods.However,in the process of remediation of internet lending institutions,many platforms choose to wind up and withdraw or transform due to various factors or pressures.Due to the lack of a sound exit mechanism,many opt-out platforms encounter many problems in practical operation and eventually evolve into a malignant exit,resulting in huge losses for lenders.At present,the withdrawal from the market of internet loan platform has many problems,such as high proportion of malignant withdrawal,low efficiency of risk disposal,and long and complicated exit procedures.To solve these problems,our country should take protecting the interests of investors as the guidance,improve the system of internet loan platform market withdrawal,strengthen the supervision,ensure the safety and efficiency of the internet loan platform market withdrawal,and then promote the healthy development of China's internet lending market.