政策情境下我国网络借贷行业兴衰研究

Research on the Rise and Fall of Online Lending under Chinese Policy

近年来,我国网络借贷行业内暴雷事件频发,行业也从高速发展向整体崩塌转变,其背后的政策情境值得我们进行研究网络借贷行业的兴衰反映出相关政策具有主体多元化、内容模糊、政策偏好变化急剧等特点,这些政策特点在一定程度上导致网络借贷行业在发展之初未能受到充分监管,而在发生问题后又通过“运动式治理”的方式被基本否定。

In recent years,there have been frequent occurrences of online lending collapse in China,which has changed from rapid development to overall collapse,the policy is worth to research.The rise and fall of online lending reflects the diversification of relevant policy subjects,vague content,and rapid policy changes.These characteristics have led to insufficient supervision at the beginning of the industry’s development,and when problems occur,they are basically denied through“movement governance”.