监管新规下P2P网络借贷风险及其防范的探究  

Research on the Problem of P2P Network Lending Risk and Its Precautions under the New Regulation

作　　者：张建江[1] 韩晓丽[1] Zhang Jianjiang;Han Xiaoli(Shanxi TV University,Taiyuan,Shanxi,03002)

机构地区：[1]山西广播电视大学,山西太原030027

出　　处：《山西广播电视大学学报》2018年第2期80-84,共5页Journal of Shanxi Radio & TV University

基　　金：山西省现代远程教育学会课题"P2P网络借贷风险问题及其防范研究"(课题编号:SXYJ201607)

摘　　要：2007年P2P网络借贷平台传入我国,随后在互联网加创新的背景下出现了爆炸式的快速增长,它作为我国传统金融体系的有益补充,构成了普惠金融的重要组成部分。但P2P网络借贷平台的野蛮生长,隐藏着诸多问题和风险。信用体系不完善、投资者水平不高,监管的缺失以及平台自身的原因,导致风险不断积聚,平台提现困难、跑路现象频频发生。随着《网络借贷信息中介机构业务活动管理暂行办法》等监管规则的出台,给P2P网络借贷行业提出了明确的要求,网络借贷行业必须从完善信用体系、提升投资者水平、加强监管以及做好平台自身建设等方面来防范风险的发生。P2P network lending platform was introduced into China in 2007, and then the explosive rapid growth has emerged under the background of Internet and innovation. As a useful supplement to the traditional financial system in China, it constitutes an important part of the Inclusive Finance. However, under the barbaric growth of P2P net-work lending platform in our country, many problems and risks have been hidden. The imperfect credit system, the insufficient level of investors, the lack of supervision and the causes of the platform itself lead to the accumulation of risks, the difficulty of withdrawing money from the platform, and the frequent occurrence of running roads. With the introduction of the ＂interim measures on the Management of Business activities of Network Lending Information inter-mediaries＂ and other regulatory rules, the P2P network lending industry has put forward clear requirements. It is nec-essary to improve the credit system and raise the level of investors. Strengthen the supervision and good platform self-construction to prevent the occurrence of risks.

关 键 词：监管 P2P网络借贷 风险 防范 

分 类 号：F724.6[经济管理—产业经济]