CAJ | 학술논문

P2P借贷中介服务行业,是指协助投资者与借款人实现直接借贷行为的中介服务行业。发展P2P行业对我国解决小微企业及个人融资难问题具有重要的意义,目前虽然仍处于起步阶段,发展条件也不完备,但未来具有广阔的发展前景。P2P行业发展良莠不齐,尚未建立可持续的商业发展模式,存在一定的风险隐患,但系统性风险不大。我国应尽快明确P2P法律地位,推动行业合作,加强行业自律,并加强对第三方支付的管理,创造有利于P2P行业发展的商业环境,允许其使用征信体系,给予一定的税收优惠等。
P2P차대중개복무행업,시지협조투자자여차관인실현직접차대행위적중개복무행업。발전P2P행업대아국해결소미기업급개인융자난문제구유중요적의의,목전수연잉처우기보계단,발전조건야불완비,단미래구유엄활적발전전경。P2P행업발전량유불제,상미건립가지속적상업발전모식,존재일정적풍험은환,단계통성풍험불대。아국응진쾌명학P2P법률지위,추동행업합작,가강행업자률,병가강대제삼방지부적관리,창조유리우P2P행업발전적상업배경,윤허기사용정신체계,급여일정적세수우혜등。
P2P industry refers to the intermediary service of direct lending between investors and borrowers.The development of P2P is of great significance to some micro industries and individuals.Although in a beginning state,and with insufficient development conditions,the prospect of P2P is promising.However,the development of P2P now is full of problems,with no sustainable commercial development pattern.Therefore,the legal status of P2P should be confirmed,so as to promote industry cooperation,and strengthen industry discipline and the management of third-party payment,thus creating commercial environment beneficial to P2P development,allowing its use of credit system,and giving some revenue advantages.