征信视角下P2P网贷模式的信用风险探析  

An Analysis on Credit Risk for P2P Online Lending Mode from Credit Reference Perspective

作　　者：王嵩青[1] 田芸[1] 沈霞[1] 

机构地区：[1]中国人民银行乌鲁木齐中心支行,新疆乌鲁木齐830002

出　　处：《征信》2014年第12期49-52,共4页Credit Reference

摘　　要：近年来,我国P2P网络贷款作为互联网金融创新模式获得爆发式增长,但同时在信息不对称、征信主体权益保护等方面存在的信用风险问题也日益突出。为促进P2P网络贷款等互联网金融的发展,应加强征信管理与服务,将P2P网贷平台纳入征信管理范畴,强化P2P网贷平台信用管理和平台资金流动监管,加大网贷平台信用信息保护力度。In recent years, as the Internet financial innovation mode, China＇ s P2P network loan has gained an ex- plosive growth. However, credit risk owing to information asymmetry and protection of the rights and interests of credit subjects is increasingly outstanding. In order to promote Internet financial development e. g. the P2P network lending, we should strengthen the credit reference management and service, classify the P2P online credit platform into the credit reference management, strengthen credit management of P2P online credit platform and supervision o- ver the liquidity of the platform, and take greater efforts on protecting credit information on the online lending plat- form.

关 键 词：征信管理 P2P网贷 互联网金融 信用风险 

分 类 号：F832.4[经济管理—金融学]