摘要
央行会同其他部委发布的《关于促进互联网金融健康发展的指导意见》明确了"网络借贷业务由银监会负责监管"。十八届五中全会《关于制定国民经济和社会发展第十三个五年规划》要求"规范发展互联网金融"。银监会直面网络借贷(P2P)存在的诸多问题,如何有效地规范发展网络借贷(P2P)活动已经成为亟待解决的问题。规范发展网络借贷(P2P)应以保障投资者合法权益为主轴,以防范其风险发生与传染作为监管措施确立的出发点,以实现普惠金融作为目标,进而促进网络借贷(P2P)的健康持续发展与不断创新。个体网络借贷(P2P)监管立法在体现适度宽松监管政策,坚持适度监管、有效监管、创新监管等原则基础上满足上述要求,从而保障监管立法成为规范监管的善法。
Guidance on Promoting the Healthy Development of Internet Finance,jointly issued by the People's Bank of China and other ministries,confirms that Peer to Peer Lending(P2P)should be supervised by China Banking Regulatory Commission(CBRC).The 13 th Five-Year National Economic and Social Development Plan deliberated and passed by the fifth plenary session of the 18 th CPC Central Committee suggests that our government should standardize and develop Chinese internet finance.CBRC faces directly the questions existing in P2Pand finds that how to standardize and develop internet lending effectively is a serious problem.The main work of standardizing and developing P2P is protecting the legitimate rights and interests of investors,and the starting point is preventing the occurrence and spread of risk,and the aim is achieving inclusive finance.So finally we can make P2Pdevelop healthily,continuously and creatively.The supervision legislation of P2P regulation manifests moderately loose characteristic.We must sticks to appropriate,effective and innovative supervision principles,so as to make sure the legislation can create a good law.
出处
《财经法学》
2016年第1期5-18,共14页
Law and Economy
关键词
个体网络借贷
监管立法
规范发展
解读
Peer to Peer lending
Supervision legislation
Standardize and develop
Interpretation
