P2P风险处置的现状、国际经验和借鉴
|
摘要
2018年P2P平台出现了爆雷潮,大量网贷平台出现流动性危机,随之而来的P2P平台跑路、倒闭现象层出不穷,风险迅速蔓延。我国相关监管部门意识到加强P2P监管的重要性,并出台了多项政策文件,规范行业发展,但从长远看,P2P行业的监管才刚刚起步,需要不断完善监管体系。本文介绍了我国P2P的发展历程、风险情况,并分析英美国家对P2P监管的经验,总结出国外P2P监管经验对我国完善P2P监管体系的借鉴意义,以期对我国P2P行业风险处置提供理论支持。
In 2018, the P2P platform has experienced a thunderstorm. A large number of online lending platforms had a liquidity crisis. The subsequent phenomenon such as runs and bankruptcy of P2P platforms was endless and the risks spread rapidly as a consequence.The relevant regulatory authorities in China have awared of the importance of strengthening P2P regulation and have issued a number of policy documents to regulate the development of the industry. However, in the long run, the supervision of the P2P industry is just beginning, and the regulatory system needs to be continuously improved. This paper introduces the development history and risk situation of P2P in China,and analyzes the experience of P2P supervision in the UK and US.It summarizes the reference significance of foreign P2P supervision experience to improve the P2P supervision system in China, in order to provide theoretical support for the risk disposal of P2P industry in China.
In 2018, the P2P platform has experienced a thunderstorm. A large number of online lending platforms had a liquidity crisis. The subsequent phenomenon such as runs and bankruptcy of P2P platforms was endless and the risks spread rapidly as a consequence.The relevant regulatory authorities in China have awared of the importance of strengthening P2P regulation and have issued a number of policy documents to regulate the development of the industry. However, in the long run, the supervision of the P2P industry is just beginning, and the regulatory system needs to be continuously improved. This paper introduces the development history and risk situation of P2P in China,and analyzes the experience of P2P supervision in the UK and US.It summarizes the reference significance of foreign P2P supervision experience to improve the P2P supervision system in China, in order to provide theoretical support for the risk disposal of P2P industry in China.
引文
[1]刘绘,沈庆劼.我国P2P网络借贷的风险与监管研究[J].财经问题研究,2015(1).
[2]周正清.英美P2P网络借贷监管改革对我国的启示[J].金融发展评论,2015(1).
[3]黄震,邓建鹏.英美P2P监管体系比较及启示[J].中国农村金融,2016(15).
[4]宋鹏程,吴志国,赵京等.我国P2P借贷行业监管模式研究[J].南方金融,2014,1:17.
[5]贲圣林,徐维东,王靖雯.借鉴英美P2P行业监管经验,推动我国互联网金融健康发展[J].IMI研究动态,2015.
[6]孙艳军.论P2P网络借贷平台的法律义务框架[J].上海金融,2018(1).
[7]张延峰.P2P网络借贷风险与管控研究[J].金融与经济,2018(7).
(1)从P2P行业看,按股东背景可分为四类:银行系P2P、国资系P2P、上市公司系P2P和民营系P2P。截至目前,银行系P2P尚未出现问题平台,故本文仅讨论国资系P2P、上市公司系P2P和民营系P2P。
(2)英国P2P行业协会(P2PFA)共有8家会员单位,其数据统计是8家会员单位的情况。
(3)美国证券交易委员会(SEC),职责主要是对投资人的保护,要求所有信息完整、透明、无误的披露;美国消费者金融保护局(CFPB),职责主要是对P2P平台的金融消费权益进行保护和监管;联邦贸易委员会(FTC),职责主要是P2P机构如果采取了法律意义上的“不公平或者欺骗性行为”,FTC就可以采取执法行动。
[2]周正清.英美P2P网络借贷监管改革对我国的启示[J].金融发展评论,2015(1).
[3]黄震,邓建鹏.英美P2P监管体系比较及启示[J].中国农村金融,2016(15).
[4]宋鹏程,吴志国,赵京等.我国P2P借贷行业监管模式研究[J].南方金融,2014,1:17.
[5]贲圣林,徐维东,王靖雯.借鉴英美P2P行业监管经验,推动我国互联网金融健康发展[J].IMI研究动态,2015.
[6]孙艳军.论P2P网络借贷平台的法律义务框架[J].上海金融,2018(1).
[7]张延峰.P2P网络借贷风险与管控研究[J].金融与经济,2018(7).
(1)从P2P行业看,按股东背景可分为四类:银行系P2P、国资系P2P、上市公司系P2P和民营系P2P。截至目前,银行系P2P尚未出现问题平台,故本文仅讨论国资系P2P、上市公司系P2P和民营系P2P。
(2)英国P2P行业协会(P2PFA)共有8家会员单位,其数据统计是8家会员单位的情况。
(3)美国证券交易委员会(SEC),职责主要是对投资人的保护,要求所有信息完整、透明、无误的披露;美国消费者金融保护局(CFPB),职责主要是对P2P平台的金融消费权益进行保护和监管;联邦贸易委员会(FTC),职责主要是P2P机构如果采取了法律意义上的“不公平或者欺骗性行为”,FTC就可以采取执法行动。