互联网金融风险治理效果评估及改革取向——基于P2P网络借贷专项整治问卷调查数据

The Effectiveness Assessment and Reform Direction of Internet Financial Risks Governance——Based on the Questionnaire Survey of Special Rectification on P2P Lending

由于监管缺失和行业无序发展,互联网金融业集聚了巨大风险隐患,影响经济健康发展和社会稳定。2016年,国务院牵头多部门开展互联网金融风险专项整治工作,相关政策密集出台,行业进入规范整治期。通过对当前互联网金融风险专项整治,特别是对P2P网贷风险治理效果进行调查与评估发现,互联网金融风险整治取得一定成效,投资人风险意识显著提高,多种违规问题得到有效遏制。但一些受访者对互联网金融市场整体信心不足,对风险整治效果也未完全认同,甚至对一些问题的解决情况不满意,认为地方监管部门未充分发挥实质性作用,纠纷解决机制无法满足现有投诉需求。为进一步加强互联网金融风险治理,应强化互联网金融监管,促进行业合规健康发展;深化征信体系建设,改善互联网金融营商环境;有效利用行业自律机制,发挥行业协会的作用;加强地方监管部门作用,明确执法部门职责权利;畅通纠纷上报和解决机制,简化问题处理流程;加强风险防范意识宣传,树立正确投资理念。

Due to the lack of effective supervision and ordered development,huge potential risks have arisen in the Internet finance industry,affecting the sound development of the economy and social stability.In 2016,the State Council with other departments,launched special rectification on Internet financial risks,and relevant policies were introduced intensively,leading the industry into a period of rectification.Through the investigation and evaluation of the current special rectification of Internet financial risks,especially the risk governance effect of P2P lending,it is found that the rectification of Internet financial risks has made certain achievements,the risk awareness of investors has been significantly improved,and a variety of violations have been effectively prevented.However,some respondents lack confidence in the overall Internet financial market,discontented with the effect of risk control and dissatisfied with the solution of some problems.They believe that local regulatory authorities have not fully played their substantive role,and the dispute settlement mechanism cannot meet the existing demand for complaints.In order to further strengthen the risk governance of Internet finance,the supervision of Internet finance should be enhanced to promote the sound development of industry compliance;the credit investigation system should be improved and the business environment for Internet finance be advanced;industry self-discipline mechanisms should be used efficiently and the industry association shoulder their responsibility;the role of local regulators be strengthened and the responsibilities of law executors be clarified;the dispute reporting and resolution mechanism be dredged and the problem handling process be simplified;public awareness of risk prevention awareness and proper investment philosophy should be established.