改革
改革
개혁
Reform
2015年
2期
60~68
,共null页
P2P网络借贷 互联网金融 金融监管
P2P網絡藉貸 互聯網金融 金融鑑管
P2P망락차대 호련망금융 금융감관
P2P network lending, internet finance, finance supervision
P2P网络借贷具有贷款期限短、金额小、重视贷款者信用材料、融资门槛相对较低等特点。现阶段，我国P2P网络借贷面临政策法律风险、监管风险、洗钱风险、操作风险、网络风险、信用风险。防范P2P网络借贷风险，从政府的角度来讲，应明确监管主体，加快监管制度建设；扩大征信范围，完善全国征信系统建设。从P2P网络借贷平台的角度来讲，应完善网络技术，降低网络风险；明确金融职责，强化操作流程。从借贷者和贷款者角度来讲．应建立借款者与贷款者之间的互信。
P2P網絡藉貸具有貸款期限短、金額小、重視貸款者信用材料、融資門檻相對較低等特點。現階段，我國P2P網絡藉貸麵臨政策法律風險、鑑管風險、洗錢風險、操作風險、網絡風險、信用風險。防範P2P網絡藉貸風險，從政府的角度來講，應明確鑑管主體，加快鑑管製度建設；擴大徵信範圍，完善全國徵信繫統建設。從P2P網絡藉貸平檯的角度來講，應完善網絡技術，降低網絡風險；明確金融職責，彊化操作流程。從藉貸者和貸款者角度來講．應建立藉款者與貸款者之間的互信。
P2P망락차대구유대관기한단、금액소、중시대관자신용재료、융자문함상대교저등특점。현계단，아국P2P망락차대면림정책법률풍험、감관풍험、세전풍험、조작풍험、망락풍험、신용풍험。방범P2P망락차대풍험，종정부적각도래강，응명학감관주체，가쾌감관제도건설；확대정신범위，완선전국정신계통건설。종P2P망락차대평태적각도래강，응완선망락기술，강저망락풍험；명학금융직책，강화조작류정。종차대자화대관자각도래강．응건립차관자여대관자지간적호신。
P2P Online Lending has a series of merits： short loan period, small credit amount, value borrowers＇ credit information, high threshold of financing, etc. At this moment, P2P Online Lending in our country is facing policy and legal risk, regulatory risk, money laundering risk, operational risk, network technology risk, and credit risk. In order to guard against those risks, our government has to specify the regulatory agency and accelerate the construction of regulatory system, to extend the scope of credit investigation and perfect our country＇s credit system. For P2P Online Lending platforms, they have to improve network technology and reduce network risk, to clarify their responsibility and standardized operational procedures. For borrowers and lenders, they have to increase mutual understanding and trust.
