我国P2P网络贷款平台的弊端及管理  

On Disadvantages and Management of Chinese P2P Network Lending Platform

作　　者：禹海慧[1] 

机构地区：[1]湖南涉外经济学院管理学院,湖南双峰410205

出　　处：《中国流通经济》2014年第2期121-127,共7页China Business and Market

摘　　要：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。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.

关 键 词：P2P网络贷款平台 运行模式 法律风险 监管制度 

分 类 号：F830.39[经济管理—金融学]