民间金融机构暴雷的表象与实质——以P2P为视角  

The Appearance and Essence of Collapse in Private Financial Institutions--From the perspective of P2 P

作　　者：吴菊萍 Wu Juping(Shanghai People's Procuratorate,Shanghai 200070)

机构地区：[1]上海市人民检察院第二分院第一检察部,上海200070

出　　处：《警学研究》2020年第5期9-14,共6页Police Science Research

摘　　要：2016年以来,以P2P为代表的民间金融机构经营乱象得到整治的同时也频频暴雷,诸多民间金融机构要么“自愿停业”,要么倒闭,涉嫌犯罪的也不计其数。在这种表象的背后,其实是民间金融从业者对金融本质的忽视和实体行业的凋敝,加之监管的由松到紧,民间金融机构缺少应有的转型路径,整个行业一片愁云惨雾。面对当下的“创新”“创业”的鼓励,企业家依然应当谨慎小心。Since 2016, while the chaos of private financial institutions represented by P2 P has been rectified, some have been frequent collapse, and many institutions have ceased, closed down, and even committed crimes. The reason for the depression of the entire private financial industry is that practitioners ignore the finance nature and the decline of the physical industry. In addition, the supervision is from loose to tight, and they lack proper transformation paths.Entrepreneurs should still be cautious about the current "innovation"and "entrepreneurship"encouragement.

关 键 词：民间金融 P2P暴雷 监管 

分 类 号：F832[经济管理—金融学] D924[政治法律—刑法学]