P2P网络借贷的运行模式与风险管控
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摘要
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 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, P2 P 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 P2 P 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.
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, P2 P 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 P2 P 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.
引文
[1]温小霓武小娟:《P2P网络借贷成功率影响因素分析——以拍拍贷为例》,《金融论坛》2014年第3期,第3~8页
[2]Freedman,S.,Jin,G.Z..Dynamic Learning and Selection:the Early Years of Prosper.Working paper,University of Maryland,2008.
[3]钱金叶杨飞:《中国P2P网络借贷的发展现状及前景》,《金融论坛》2012年第1期,第46~51页
[4][6]卢馨汪柳希杨宜:《互联网金融与小微企业融资成本研究》,《管理现代化》2014年第5期,第7~9页
[5]马运全:《P2P网络借贷的发展、风险与行为矫正》,《新金融》2012年第2期,第46~49页
[7]刘丽丽:《我国P2P网络借贷的风险和监管问题探讨》,《征信》2013年第11期,第29~32页
该标题为《改革》编辑部改定标题,作者原标题为《我国P2P网络借贷的发展与风险管控研究》。
1中国互联网协会:《中国互联网金融报告·2014》。
1 中国电子商务研究中心:《2013年P2P网贷问题平台注册资金多为500万元和1000万元》,http://b2b.toocle.com/detail-6140868.html,2013-12-09。
2 《2014年P2P网贷平台综合收益率周度排行报告(第44 周)》,http://stock.sohu.com/20141128/n406476779.shtml,2014-11-28。
[2]Freedman,S.,Jin,G.Z..Dynamic Learning and Selection:the Early Years of Prosper.Working paper,University of Maryland,2008.
[3]钱金叶杨飞:《中国P2P网络借贷的发展现状及前景》,《金融论坛》2012年第1期,第46~51页
[4][6]卢馨汪柳希杨宜:《互联网金融与小微企业融资成本研究》,《管理现代化》2014年第5期,第7~9页
[5]马运全:《P2P网络借贷的发展、风险与行为矫正》,《新金融》2012年第2期,第46~49页
[7]刘丽丽:《我国P2P网络借贷的风险和监管问题探讨》,《征信》2013年第11期,第29~32页
该标题为《改革》编辑部改定标题,作者原标题为《我国P2P网络借贷的发展与风险管控研究》。
1中国互联网协会:《中国互联网金融报告·2014》。
1 中国电子商务研究中心:《2013年P2P网贷问题平台注册资金多为500万元和1000万元》,http://b2b.toocle.com/detail-6140868.html,2013-12-09。
2 《2014年P2P网贷平台综合收益率周度排行报告(第44 周)》,http://stock.sohu.com/20141128/n406476779.shtml,2014-11-28。