普惠金融创新模式下网络借贷发展困境的制度因素分析

Analysis of Institutional Factors in the Development Dilemma of P2P Lending under the Innovative Model of Inclusive Finance

网络借贷具有满足小微企业等"长尾"人群融资需求、降低交易成本、促进资源优化配置的功能,和普惠金融具有内在一致性并且在发展中创新践行普惠金融,对中国经济高质量发展具有重要意义。但是,由于我国网贷行业制度供给不均衡且缺乏效率等诸多原因,造成了目前行业乱象,"爆雷潮"频发。因而,需要以普惠金融理念为指导,正确对待金融安全和金融创新,在此基础上构建全面覆盖的社会征信体系,建立行业合格投资人制度以及金融消费者教育制度,完善金融消费者权益保护制度,调整低效制度等,落实合规管理举措,进而解决目前网络借贷行业制度因素造成的各类问题,促进普惠金融深化和发展。

P2P lending can meet the financing needs of small and micro enterprises and other"long-tail"peo-ple, reduce transaction costs, and promote the optimal allocation of resources. Additionally, it is inherentlyconsistent with inclusive finance and innovation in its development, which is of considerable significance toChina’s high-quality economic development. However, due to the unbalanced supply and lack of efficiency ofChina’s P2 P lending industry system, there are current chaos in the industry, and frequent"collapse tide".Therefore, we should take the concept of inclusive finance as a guide, properly deal with financial security andfinancial innovation. On this basis, we should construct a social credit system with comprehensive coverage,establish an industry-qualified investor system and a financial consumer education system, improve the finan-cial consumer rights and interests protection system, adjust the inefficient system, implement compliance man-agement. Therefore, we can solve the plight caused by the current institutional factors in the online lending in-dustry and promote the deepening and development of inclusive finance.