摘要
P2P网络借贷作为互联网金融的重要发展模式,在我国迎来快速增长的同时也面临着大量平台倒闭带来的问题与风险。本文在论述P2P网贷发展现状的基础上,对我国P2P网贷监管政策的起源与发展进行梳理,对监管要求及其核心理念进行解读,梳理出当前P2P网贷与监管政策导向的主要冲突,指出当前政策监管下P2P网贷平台转型发展的主要趋势并据此提出相关建议。
As an important development mode of internet finance,P2P network lending is facing theproblems and risks brought by the collapse of platform in China.This paper discusses the origins anddevelopment of the Chinese P2P network lending regulation policy based on the development situation ofP2P,interprets the regulatory requirements and its core concept,combs the main conflicts of P2P networklending and supervision policy,and points out the main trend of the transformation and development of theP2P network lending platform under the current policy supervision and puts forward relevant suggestionsaccordingly.
作者
王茜
赵文斌
Qian Wang;Wenbin Zhao(China Center for Information Industry Development, Beijing, 100846, China;Economic Crime Investigation Division of the Public Security Department of Xinjiang Uyghur Autonomous Region, Urumqi,830000, China)
出处
《工业经济论坛》
2017年第4期23-29,共7页
Industrial Economy Review
关键词
网络借贷
风险
监管
Network Lending
Risk
Supervision
