P2P风险处置的现状、国际经验和借鉴  

The Status Quo, International Experience and Reference of P2P Risk Disposal

作　　者：卞金鑫 Bian Jinxin

机构地区：[1]中国长城资产管理股份有限公司博士后科研工作站,北京100045 [2]中国人民大学博士后科研流动站,北京100872

出　　处：《西南金融》2019年第5期56-62,共7页Southwest Finance

摘　　要：2018年P2P平台出现了爆雷潮,大量网贷平台出现流动性危机,随之而来的P2P平台跑路、倒闭现象层出不穷,风险迅速蔓延。我国相关监管部门意识到加强P2P监管的重要性,并出台了多项政策文件,规范行业发展,但从长远看,P2P行业的监管才刚刚起步,需要不断完善监管体系。本文介绍了我国P2P的发展历程、风险情况,并分析英美国家对P2P监管的经验,总结出国外P2P监管经验对我国完善P2P监管体系的借鉴意义,以期对我国P2P行业风险处置提供理论支持。In 2018, the P2P platform has experienced a thunderstorm. A large number of online lending plat. forms had a liquidity crisis. The subsequent phenomenon such as runs and bankruptcy of P2P platforms was endless and the risks spread rapidly as a consequence. The relevant regulatory authorities in China have awared of the impor. tance of strengthening P2P regulation and have issued a number of policy documents to regulate the development of the industry. However, in the long run, the supervision of the P2P industry is just beginning, and the regulatory sys. tem needs to be continuously improved. This paper introduces the development history and risk situation of P2P in China, and analyzes the experience of P2P supervision in the UK and US. It summarizes the reference significance of foreign P2P supervision experience to improve the P2P supervision system in China, in order to provide theoretical support for the risk disposal of P2P industry in China.

关 键 词：P2P 网络借贷 流动性风险 风险处置 信息披露 市场准入 征信体系建设 投资者保护 互联网金融 互联网金融监管 

分 类 号：F833[经济管理—金融学]