互联网联合贷款:理论逻辑、潜在问题与监管方向  

Internet Joint Loan:Theoretical Logic,Problem Analysis And Regulation Suggestions

作　　者：胡滨[1,2] 范云朋 Hu Bin;Fan Yunpeng(Chinese Academy of Social Sciences)

机构地区：[1]中国社会科学院金融研究所,北京100710 [2]中国社会科学院党委,北京100710

出　　处：《武汉大学学报（哲学社会科学版）》2021年第3期131-142,共12页Wuhan University Journal：Philosophy & Social Science

基　　金：中国社会科学院创新工程A类项目(2018JRSA01)。

摘　　要：作为金融科技时代的新型金融业务模式,互联网联合贷款在近年来获得了迅猛发展,也引发了一系列的问题和争议。互联网联合贷款的实质是传统银行与互联网平台合作以实现信用资本化收益的一种途径,其风险并不在于互联网平台对于金融业务的深度介入,而是源于新型金融业务自身的特性及其与当前监管模式的错配,即难以找到对于互联网平台进行有效监管的抓手。因此,在基于宏观审慎视角加强互联网联合贷款业务合理性与风险控制机制监管的同时,还需着眼未来,构建基于资金与数据双要素的监管体系,为新时期金融改革与发展创造良好的空间。As a new financial business pattern in the era of FinTech,Internet joint loans have developed rapidly in recent years and have also caused a series of problems and disputes.Internet joint loans is a way for traditional banks to cooperate with Internet platforms to realize the benefits of credit capitalization.The risk of Internet joint loans does not exist in the in-depth involvement of the Internet platform in financial business,but in the characteristics of the new financial business itself and its mismatch with the current regulatory system,that is,it is difficult to find a handler for effective regulation of the Internet platform.Therefore,while strengthening the rationality and risk control mechanism of the Internet joint loan based on the macro-prudential perspective,it is also necessary to build a regulatory system based on the dual elements of capital and data to create a good space for financial reform and development in the New Era.

关 键 词：互联网联合贷款 平台经济 数据监管 

分 类 号：F832.4[经济管理—金融学]