我国P2P平台纳入征信管理范畴的监管思路研究  

The Research on the Supervision of P2P Platform in the Management of Credit Administration

作　　者：沈霞[1] Shen Xia(Urumqi Central Sub-branch,the People's Bank of China)

机构地区：[1]中国人民银行乌鲁木齐中心支行

出　　处：《金融发展评论》2018年第9期88-98,共11页Financial Development Review

摘　　要：近年来,随着P2P行业的快速发展和竞争日益加剧,一方面P2P网贷平台的数量和规模呈现爆发式增长,另一方面平台风险日益凸显,问题平台不断出现。作为金融服务的一种互联网创新模式,P2P网贷平台风险管控能力成为健康发展的关键与核心,平台监管受到广泛关注。在分析我国P2P平台发展现状及其功能定位的基础上,借鉴英美两国平台监管经验,提出将我国P2P平台纳入征信管理范畴的监管思路,对促进网贷行业健康发展有重要的现实意义。in recent years, with the rapid development of P2 P industry and increasing competition, on the one hand, the number and size ofthe P2 P network platform loan growexplosively. On the other hand, problem platforms appear constantly with growing platform risk. as a mediation model of financial services, the key and the coreof P2 P net credit platform’s the healthy development is the risk management and control. Supervision of the platform has been widely paid attention. Based on the analysis of the status and function orientation of P2 P platform in our country, and the contrast of both Britain and America for platform experience, the article puts forward thought of the credit management supervision on P2 P platform in our country, which has important practical significance for the healthy development of the network industry loan.

关 键 词：P2P平台 征信管理 监管思路 

分 类 号：F832.4[经济管理—金融学] F724.6