| 我国P2P网络贷款风险监管机制的构建 |
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| 作者单位： | ;1.信阳师范学院法学与社会学院 |
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| 摘 要： | P2P网络借贷在我国发展方兴未艾,行业性监管缺失引起的运营风险对金融秩序形成较大的威胁。当前我国P2P网贷平台主要存在着监管机构缺位、监管法规缺失等法律风险,逾期呆坏账、非法集资等信用风险,以及技术风险和操作风险。当前需要明确监管主体,完善市场准入及退出制度,消除法律风险;完善征信制度,建设征信系统共享机制,防范信用风险;加强系统建设,构建安全环境,消除技术风险;提升从业人员专业素养,完善组织架构,杜绝操作风险。
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| 关 键 词： | P2P网络借贷平台 金融创新 风险监管 |
The Construction of China's Risk Supervision Mechanism for P2P Network Lending |
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| Institution: | ,School of Law and Sociology,Xinyang Normal University |
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| Abstract: | P2P network lending is developing rapidly in China. However,the operational risk caused by industry regulation loss becomes a larger threat to the financial order. P2 P network lending has some advantages compared to traditional financial institutions,but because of its cross-border business model and virtuality,the operational risk is also more complicated. According to the risk category,there are legal risks such as lack of regulations and regulatory,credit risk as overdue debts and illegal fund raising,technical risk and operation risk. It is required to build an effective supervision mechanism,mainly to clear regulatory body,perfect the regulations,and eliminate the legal risks; improve the credit system,construct the credit sharing mechanism,and guard against credit risks; strengthen the construction of network system,build a safe environment,and eliminate technical risk; improve staff professional,perfect organizational structure,and prevent operation risk; pay attention to consumer protection and maintain financial market stability. |
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| Keywords: | P2P network lending financial innovation risk regulation |
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