P2P网贷创新与监管问题研究  

Research on the Problem Innovation and Regulation in P2P Lending

作　　者：常振芳[1,2] 

机构地区：[1]南京大学商学院,江苏南京210093 [2]江苏科技大学公共管理学院,江苏镇江212003

出　　处：《经济问题》2017年第7期53-57,共5页On Economic Problems

基　　金：国家社会科学基金项目"城镇化服务业发展驱动我国消费需求扩张路径选择研究"(13CJL044);教育部人文社科研究青年基金项目"全球价值链下外资进入对中国本土企业生存持续时间的影响研究"(16YJC790020)

摘　　要：P2P网贷处在互联网金融创新的初级阶段,存在着"伪互联网金融"、信用市场环境不佳、投资者缺乏风险教育、大数据信息建设及法制环境落后等市场秩序问题。市场秩序理论是政府监管的主要理论基础。针对P2P网贷创新发展,政府监管需要加强供给侧的改革要求,从市场利益和谐出发,理性构建协调各方利益的制度安排。一方面政府监管应注重从完善的社会信用体系、个人征信体系、消费者权益、部门间协调机制等方面培育市场创新;另一方面改革原有的审慎监管制度,鼓励自律监管的制度建设,创新大数据信息风险预警体系。基于此提出我国P2P网贷监管的具体策略。P2P Lending is in the initial stage of Internet financial innovation,and exist market order problems,such as ＂pseudo Internet financial＂,credit market environment is not good,the lack of investor risk education,large data information and legal environment behind etc. Market order theory is the main theoretical basis of government regulation. For the innovation of P2P Lending,government regulation needs to strengthen the supply side of the reform requirements,starting from the interests of the market harmony,rational construction of coordinate institutional arrangements for the interests of all parties. On the one hand,the government regulation should pay attention to the cultivation of market innovation from the aspects of social credit system,personal credit system,consumer rights,inter departmental coordination mechanism and so on. On the other hand,the government regulation should reform the original prudential regulatory system,encourage self-regulation of the system and innovate big data risk warning system. Based on this,this paper puts forward the specific strategies of China＇s P2P net loan regulation.

关 键 词：市场秩序 P2P网贷创新 审慎监管 创新培育 

分 类 号：F832.479[经济管理—金融学]