摘要
P2P网络借贷,是指帮助投资者与借款人实现直接借贷行为的中介服务行业。发展P2P网络借贷对缓解我国小微企业及个人融资难问题具有非常重要的意义。自2007年"拍拍贷"网贷平台成立以来,我国网络借贷平台数量日益增长,对小额贷款领域贡献明显,但同时由于监管的缺位,一些P2P网络借贷平台不规范操作引发的风险给整个行业发展带来一定的隐患。通过对我国现阶段P2P网贷平台运行模式、发展规模等现状进行梳理总结,发现网贷平台发展良莠不齐,存在借款利率过高和监管不力等问题,为此提出了加快制定相应规章制度、加强监管、完善平台信息公布和加强平台内外部合作等规范P2P网络借贷的政策建议。
P2P (peer to peer) network lending is a kind of intermediary service business which helps the investors and the borrowers achieve the direct lending behavior. The P2P (peer to peer) network lending development has very important meaning for easing the financing problems of SMEs and individuals. Since the foundation of PPDainetwork lending platforms in 2007, the numbers of network lending plat-forms grew day by day, which made an obvious contribution on microfinance fields. However, because of the lack of regulation, some risks causing by the network lending platforms’non-standard operation would brought some hidden trouble to the whole industry development. The author made an analysis and summary on the P2P network lending platforms operating mode and developing scale. He found out the development of network lending platforms was unbalanced, which existed those problems such as high interest rates and inefficient regulations. At last the author suggested we should make the related rules and regulations quickly, strengthen the supervision, perfect the platform information release and strengthen the platform’s internal and external cooperation.
出处
《金融理论与实践》
北大核心
2014年第12期104-108,共5页
Financial Theory and Practice
关键词
P2P
网络借贷平台
发展问题
政策建议
P2P(peer to peer)
network lending platforms
developing problems
policy suggestions
