摘要
随着互联网技术的不断创新和发展,互联网不仅在国民经济各个领域进行了深度融合,而且也彻底改变了人们的生活方式。随着网民数量的急剧增加、电子商务的持续发展以及民众购买力的快速增长,推动了新的更具个性化的金融需求。然而,传统的金融机构已经逐渐无法满足人们日益增长的金融需求。在这种背景下,网络借贷应运而生。网络借贷是以互联网为主要渠道,为借款人与投资人实现直接借贷而提供信息中介服务的金融创新模式。自2005年Zopa在英国成立,2006年Prosper在美国成立,以及2007年拍拍贷在我国成立以来,网络借贷在世界范围内得到了迅速发展和壮大,吸引了许多用户并撮合了大量的借贷交易,市场快速增长且规模日益庞大。与此同时,由于各参与方风险管理意识不足、外部监管措施滞后于实践发展等问题,近年来网络借贷违约甚至导致相关人员跑路事件频繁发生。为了健全网络借贷风险监管体系,可从征信系统、行业自律和政府监管这三个方面来审视及完善网络借贷平台风险规制体系。首先,从征信系统的征信业制度建设、征信机构组成等方面,行业自律的协会成员组成、协会章程、管理办法等方面,以及政府监管的监管模式、监管主体、监管制度等方面,详细剖析网络借贷规制体系的建设现状。然后,发现征信系统存在征信模式需要改进、数据采集标准仍未统一、数据分析能力有待提升的问题,行业协会存在会员规定不明确、风险管控能力不足的问题,以及政府监管存在监管主体权责不明、监管制度不完善、政府不能发挥协会作用的问题。最后,在此基础上提出,在征信系统方面,制定全国统一的征信业信用数据采集标准、建立全国性个人/企业信用信息共享机制和基础数据库;在行业自律方面,建立合规有效的网络借贷行业协会会员自律制
With the continuous innovation and development of Internet technology,the Internet has not only deeply integrated in various fields of the national economy,but also completely changed people's way of life.With the rapid increase in the number of Internet users,the continued development of e-commerce,the rapid growth of people’s purchasing power,and the new and more personalized financial needs have been promoted.However,traditional financial institutions have gradually failed to meet the growing financial needs of people.In this context,online P2P lending came into being.Online P2P lending is a financial innovation model in which the Internet is the main channel to provide information intermediary services for borrowers and investors to achieve direct lending.Since the establishment of Zopa in the UK in 2005,Prosper in the United States in 2006,and the Paipaidai in China in 2007,online P2P lending has grown rapidly and expanded worldwide,attracting many users and realizing a large number of lending transactions.Also its market is growing rapidly in size.At the same time,due to the lack of awareness of risk management among the participants and the delay in the development of external supervision measures,online lending defaults and even related personnel missing events frequently occur.In order to improve and perfect the online lending risk supervision system,this paper studies the review and perfection of the online lending platform risk regulation system from the three aspects of credit system,industry self-discipline and government supervision.First of all,from the aspects of construction and organization of the credit information system,the composition,the articles of association,management methods of the industry self-discipline as well as the supervision mode,supervision subject,and supervision system of government supervision,the current status of the construction of the online lending regulation system are analyzed in detail.Then,it is found the credit information system needs to be improved,the data co
作者
邓春生
DENG Chunsheng(Law School,Southwestern University of Finance and Economics,Chengdu 610074,China)
出处
《四川理工学院学报（社会科学版）》
CSSCI
北大核心
2019年第5期54-66,共13页
Journal of Sichuan University of Science & Engineering(Social Sciences Edition)
基金
国家社会科学基金项目(17BJL087)
关键词
网络借贷
规制体系
风险监管
征信系统
行业自律
政府监管
online lending
regulation system
risk supervision
credit system
industry self-discipline
government supervision
