摘要
人人贷作为经济创新和金融脱媒的一种表现形式,对中国经济的改革既有促进的作用,同时又存在很多风险。信用体系不完善、法律制度不健全、资金用途不确定等是目前我国人人贷行业存在的主要风险。要尽快完善相关立法,加强监管力度、健全征信体系。
Peer-to-peer lending,as a form of economic innovation and financial disintermediation,can not only promote China economy reformation,but also has a lot of risk. Its main risks are as follows: credit system is not perfect,the legal system is not perfect,the use of funds is not determined,and so on. So we should improve the relevant legislation,strengthen supervision and improve the credit system as soon as possible.
出处
《九江职业技术学院学报》
2016年第4期83-84,87,共3页
Journal of Jiujiang Vocational and Technical College
关键词
分享经济
人人贷
金融风险防控
sharing economy
everyone loan
financial risk prevention and control
