摘要
通过对我国P2P网络借贷平台运营模式的探究,认为网络借贷平台存在民事法律风险、刑事法律风险和金融法律风险。在此基础上,借鉴美国对P2P网络借贷平台的监管格局,提出通过明晰监管结构、完善个人征信体系、规范中间账户管理、引入第三方担保机制或建立风险准备金制度等监管措施,增进行业自律来完善我国对网络借贷平台的监管。
Through analyzing the operational model of peer to peer lending platforms in China,this paper points out that these platforms are faced with civil risks,criminal risks,and financial risks.Based on the legal risk exploration,intro-ducing the present regulatory patterns in U.S.,the author proposes through pinpointing regulatory structure,completing personal credit system,standardizing the middle account management,introducing the third party guarantee mechanism or establishing risk reserve system,and optimizing the industry self-discipline to improve China’s supervision on P2P Lending.
出处
《重庆邮电大学学报（社会科学版）》
北大核心
2015年第3期49-55,共7页
Journal of Chongqing University of Posts and Telecommunications(Social Science Edition)
基金
重庆市研究生科研创新项目:小微金融机构可持续发展的制度障碍和法律完善(CYB14068)
