论网络借贷市场的风险防范与监管  

Risk prevention and supervision in the Internet lending market

作　　者：刘焕智[1] 张艳[1] 

机构地区：[1]河海大学公共管理学院,江苏南京211100

出　　处：《云南民族大学学报（哲学社会科学版）》2016年第6期122-127,共6页Journal of Yunnan Minzu University(Philosophy and Social Sciences Edition)

基　　金：国家社会科学基金项目"‘后农业税时代’村级公益事业建设村民投入意愿及激励机制研究"(项目编号:13BSH021)阶段成果

摘　　要：随着互联网金融的快速发展,网络借贷平台建设也取得了新的突破,已经成为企业和个人融资的重要渠道。网络借贷市场呈现出一系列特性,必然使得网络借贷不可避免面临着流动性、洗钱、逆向选择、操作、担保与关联等风险。为进一步规范网络借贷市场,采取重构信用体系、严格市场准入机制、制定行业自律标准等措施是对网络借贷市场风险防范与监管的策略选择。With the rapid development of Internet finance,the Internet lending platforms have also made great progress and become important channels for the enterprise and personal finance. Because the Internet lending market has its own features,it inevitably makes the Internet lending face risks in the aspects of liquidity,money laundering,adverse selection,operation,guarantee and associated liability. Thus,it is necessary to adopt some measures to further regulate the Internet lending market,including the reconstruction of the credit system,the strict market access mechanism,and the formulation of self- disciplines for various industries,which are the strategic choices for the risk prevention and supervision of the Internet lending market.

关 键 词：网络借贷 借贷市场风险 监管措施 

分 类 号：F832.4[经济管理—金融学]