摘要
P2P网络借贷作为民间借贷的一种形式因其"金融脱媒"的特质在我国迅速发展。但在其进行迅猛扩张的过程中,其自身所特有的信用风险、流动性风险、道德风险和技术风险等在很大程度上导致了该行业的发展偏离了预定的轨道。自2013年以来,各种风险事件的频发更是对行业的规范发展提出了严峻的挑战。为防范风险,结合目前国内监管现状,对规范我国P2P网络借贷的发展提出了相应的对策建议。
As a form of private lending system, P2P network lending has developed rapidly in China because of its characteris- tics of ＂financial disintermediation＂. However, in the course of its rapid expansion, the risks such as credit risk, liquidity risk, moral hazard and technical risk, which are peculiar to itself, have largely made the industry to deviate from the intended developing way. Since 2013, the frequent occurrence of various risk events posed a severe ehallenge for the industry. In order to guard against the risks, this paper puts forward some suggestions to standardize the Chinese P2P network lending in light of the current domestic regulatory situation.
出处
《鸡西大学学报（综合版）》
2017年第2期65-69,共5页
JOurnal of Jixi University:comprehensive Edition
基金
2016年度国家社科基金一般项目"农地改革背景下的农村金融服务创新与风险控制研究"(编号:16BJL037)
黑龙江省应用技术研究与开发计划项目"黑龙江省农业科技创新的金融支持研究"(编号:GC14D206)
关键词
P2P网络借贷
发展
风险
监管
P2P network lending
development
risk
supervision
