P2P未来的发展与监管路在何方  

P2P Development and Regulation in the Future: Where to Go

作　　者：盖静[1] 

机构地区：[1]中国人民银行营业管理部,北京100045

出　　处：《征信》2016年第10期9-14,共6页Credit Reference

摘　　要：我国P2P平台发展受限的根本原因是诚信体系缺失,未来P2P平台革不了银行的命,但即将面临行业洗牌,未来发展的重点在于找准市场定位。分析国内P2P监管的困境,认为我国监管当局并非无监管手段可用,而主要是在处理P2P发展与有效监管的矛盾上存在两难。未来应当重点强化资金监管,关注平台的可持续经营能力,并通过设定监管的基础性框架、阶段性监管逐步推进、功能性监管与机构监管相结合、有效隔离P2P风险向传统银行业扩散等手段强化对P2P的监管。The fundamental cause for P2P platform development limitation is lack of integrity system, P2P platform in the future is not of revolutionary significance for banks, but the industry reshuffle, and that the focus of future development is to identify market positioning. An analysis is made on domestic P2P supervision dilemma, finding that as for China＇ s regulatory authorities, it＇s not without supervision means to be available, but with dilemma in handling the conflict between the development of P2P and effective supervision. Suggestions are as follows： strengthening capital supervision in the future, focusing on ongoing operation capability of the platforms, and strengthening the supervision of P2P by setting the basic regulatory framework, periodic supervision for promotion, combination of functional supervision with institutional supervision and the effective isolation of P2P risk to traditional banking diffusion, etc.

关 键 词：P2P 互联网金融监管 信用中介 信息中介 征信体系 

分 类 号：F832.39[经济管理—金融学]