江苏省科技期刊可视化阅读平台

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江苏科技信息 ›› 2016, Vol. 33 ›› Issue (4): 12-15.doi: 10.3969/j.issn.1004-7530.2016.04.006

• 论文 • 上一篇    下一篇

我国P2P网络借贷面临的风险分析及监管建议

蒋睿凌   

  1. 重庆三峡担保集团股份有限公司,重庆,401121
  • 出版日期:2016-02-05 发布日期:2016-02-05

Risk Analysis and Supervision Advice of Online P2P Lending Platform in China

Jiang Ruiling   

  • Online:2016-02-05 Published:2016-02-05

摘要： P2P网络借贷平台凭借其简洁方便的融资程序和低廉的融资成本，填补了银行业借贷的不足，对传统金融业形成了强烈的冲击，但由于信息不对称所引发的监管难题也客观存在。文章首先对我国P2P的规模、特征进行了分析，进一步从内部风险和外部风险2个维度分析了P2P的风险，其中内部风险主要来自于借款人、网络借贷平台、投资人这3个方面，外部风险在于法律法规的不健全，应从准入监管、运营监管及信息披露这3个方面加大对P2P的监管。

关键词: P2P网络借贷, 风险分析, 监管建议

Abstract: The peer to peer (P2P) lending platform brings a strong impact on the conventional financial industry because of its concise procedures and low cost in financing which make up for the rigorous assessment of the banks. However, it is still hard to supervise the process since asymmetric information. Hence, this paper firstly analyzes the scale and features of P2P in China. Then, the risks of P2P will be discussed from the perspectives of internal risks and external risks. The internal risks are the hazard brought by borrowers, lending platforms and investors. And the external risks come from the inadequate laws. Last, this paper mentions that the regulation of P2P should be strengthened from three aspects which are admittance supervision, daily operation and information disclosure.