在营P2P网贷机构接入征信系统问题探讨  

Discussion on Problem for On-going Online P2P Lending Institutions Accessing Credit Reporting System

作　　者：杨茜茜 黄春秀[1] 杨阳[1] Yang Xixi;Huang Chunxiu;Yang Yang(Nanning Central Sub-branch of the People’s Bank of China,Nanning 530028 Guangxi,China)

机构地区：[1]中国人民银行南宁中心支行,广西南宁530028

出　　处：《征信》2020年第6期43-46,共4页Credit Reference

摘　　要：目前,P2P网贷机构运营风险和信用风险日益突出,网贷行业征信体系亟待建立,在营P2P网贷机构接入征信系统迫在眉睫。P2P网贷机构接入征信系统面临合规程度良莠不齐、事后追踪缺乏手段、网贷信息采集缺乏规范、借贷利率超出法定限制、机构生命周期不稳定等问题。因此,需要细化P2P网贷机构准入门槛,完善制度设计,搭建国家统一专管平台,解决征信授权获取难问题,规范数据接口程序开发,保证超限额数据核减报送,规范异议处理流程,确保P2P网贷机构安全平稳接入征信系统。At present,the operation risk and credit risk of online P2P lending institutions are increasingly prominent,it’s urgent and necessary for the online lending industry to establish a credit reporting system,and access of ongoing online P2P lending institutions to the credit reporting system is imminent.However,access of online P2P lending institutions to credit reporting system is faced with such problems as uneven compliance,lack of means for trace afterwards,lack of standardized information collection of P2P lending,loan interest rate exceeding legal limits,and unstable life cycle of institutions.Therefore,it is necessary to specify the access threshold of online P2P lending institutions,improve the system design,build a unified national special management platform,solve the problem of credit authorization acquisition,normalize the development of data interface program,ensure the verification and submission of data exceeding the quota,standardize the objection handling process,and ensure the safe and smooth access of P2P lending institutions to the credit reporting system.

关 键 词：P2P网贷机构 征信系统 合规监管 市场准入 异议处理流程 

分 类 号：F832.31[经济管理—金融学] F832.39