中国流通经济
中國流通經濟
중국류통경제
China Business and Market
2014年
2期
121~127
,共null页
P2P网络贷款平台 运行模式 法律风险 监管制度
P2P網絡貸款平檯 運行模式 法律風險 鑑管製度
P2P망락대관평태 운행모식 법률풍험 감관제도
P2P network lending platform; operation mode; legal risk; supervision system
P2P网络贷款近年来在我国发展迅速.但是,由于缺乏法律规范,P2P网络贷款平台呈现出无序的发展状态,并不断异化为另类金融机构,因此隐含巨大的法律和道德风险.面对P2P网络贷款平台的异化,我们应根据现实情况,确立以中国银行业监督管理委员会为主导的监管机构框架,通过实施市场准入监管、业务活动监管、资金监管、利率监管等措施来规范P2P网络贷款平台的发展.
P2P網絡貸款近年來在我國髮展迅速.但是,由于缺乏法律規範,P2P網絡貸款平檯呈現齣無序的髮展狀態,併不斷異化為另類金融機構,因此隱含巨大的法律和道德風險.麵對P2P網絡貸款平檯的異化,我們應根據現實情況,確立以中國銀行業鑑督管理委員會為主導的鑑管機構框架,通過實施市場準入鑑管、業務活動鑑管、資金鑑管、利率鑑管等措施來規範P2P網絡貸款平檯的髮展.
P2P망락대관근년래재아국발전신속.단시,유우결핍법률규범,P2P망락대관평태정현출무서적발전상태,병불단이화위령류금융궤구,인차은함거대적법률화도덕풍험.면대P2P망락대관평태적이화,아문응근거현실정황,학립이중국은행업감독관리위원회위주도적감관궤구광가,통과실시시장준입감관、업무활동감관、자금감관、리솔감관등조시래규범P2P망락대관평태적발전.
During the past several years, the P2P network lending platform has been developed very quickly. But, because of the lack of related law and regulation, this platform is developing disorderly; it is becoming the unusual financial organization; and there are huge potential legal and moral risks. Facing the unusual platform and according to the real situation, we should establish the framework of supervision organization taking CBRC as the leading role, and standardize the development of P2P network lending platform by implementing supervision on market access, business activity, capital and interest rate.
