中国网贷行业兴衰史的教训与启示

Lessons and Enlightenment from the History of the Rise and Fall of China’s Online Loan Industry

在过去的十多年中,P2P网贷作为曾经的媒体热点即将退出历史舞台,但是其发展的兴衰史为完善我国金融治理体系和治理能力现代化提供了宝贵经验,即金融必须坚持持牌经营,加快打破市场刚性兑付步伐,强化金融协调监管,坚持“严处罚”的监管原则,强化遏制人的劣根性教育,大力发展监管科技模式,构建长效监管体系并切实重视行业自律管理等。此外,还要进一步强化金融坚守服务实体经济初心,加强金融消费者权益保护,将金融风险攻坚战转入持久战,加强监管,将严监管的态势一直保持下去。

In the past ten years or so,P2P online lending as a media hotspot is about to withdraw from the historical stage,but the history of its development has provided valuable experience for the improvement of China’s financial governance system and modernization of governance capabilities.That is,finance must adhere to licensed operation,accelerate the pace of breaking the rigid cash market,strengthen financial coordination and supervision,adhere to the principle of“strict punishment”supervision,strengthen the education of curbing people’s deep-rooted bad habits,vigorously develop science and technology supervision technology,build a long-term supervision system,and earnestly attach importance to industry self-discipline management.In addition,it is necessary to further strengthen financial adherence to the original intention of serving the real economy,strengthen the protection of the rights and interests of financial consumers,maintain the situation of turning the battle against financial risks into a protracted battle,and strengthening supervision and strict supervision.