摘要
结合我国"人人贷"的发展现状及主要模式,分析我国"人人贷"存在信用风险的原因,认为应从完善法律制度、健全组织机构、加强征信监管等几个方面完善我国个人征信体系,以防范"人人贷"领域的信用风险。
Combined with the status quo of the development of ＂Peer to Peer＂ and its main modes, the paper makes an analysis on the reasons for the existing credit risks in it, pointing out the main problems for China＇ s personal credit reference system, and then making specific recommendations for a perfect personal credit reference system in China from such aspects as improving the legal system, improving the organizational structure, strengthening credit reference regulatory, etc. so as to prevent credit risks in the field of ＂Peer to Peer＂ in China.
出处
《征信》
北大核心
2013年第3期35-38,共4页
Credit Reference
关键词
个人征信体系
人人贷
信用风险
征信监管
personal credit reference system
＂Peer to Peer＂
credit＇ risk
credit reporting regulation
