英美网络借贷行业标准研究及其参考

Research on United Kingdom and United States Online Lending Standards and Their Reference to China

英美两国分别是全球网络借贷的诞生地和最大的经济体及金融中心,这两个国家的网络借贷产业,同样经历了从无到有,从自发到自律,并逐渐实现健康有序发展,其中行业标准化体系建设作为行业自律及监管的基础之一,起到了举足轻重的作用.无论是英国《运营准则》,还是美国的《市场化借贷最佳实践》,都从信息公开透明性、平台的内部运营准则、风险控制、安全性等方面提出了具体而详细的标准,既为行业公司提供了明确的参照标准,也对所在国家监管部门的政策和相关法律法规产生影响.我国现在正处于网络借贷标准化建设的关键时期,本文力图通过研究这两个代表性国家的网络借贷标准建设情况,并结合我国的具体实际,为我国的网络借贷标准建设提供有益的思路参考及借鉴.

The United Kingdom and the United States are the birthplaces of global online lending and the largest economy and financial center.The online lending industries of these two countries have also experienced from spontaneous to self discipline,and gradually achieved healthy and orderly development.During the period,the construction of standardization has played a pivotal role as one of the foundations of industry self-discipline and supervision.Whether it is the UK's"Operating Principles"or the"Marketplace Lending Operating Standards"in the US,specific and detailed standards have been proposed from the aspects of transparency of information disclosure,internal operational guidelines of the platform,risk management,and security.These standards provide clear reference for platform that also greatly influence the national regulatory policies and laws.China is now in the critical period of online lending standardization construction.This paper attempts to provide a useful reference for the construction of China's online lending standards by studying the construction of online lending standards in these two representative countries and combining with the specific reality of China.