摘要
P2P网贷具备金融普惠性,在我国长期实行的金融压抑政策下获得了良好的发展契机。然而,P2P网贷融资模式突破了我国传统金融规则,面临法律定位不清、信用风险巨大、资金安全不足等一系列行业性的问题,我国应采取针对性的措施,从P2P网贷法律法规的完善、行业信用评级体系建设、第三方资金托管制度的设立三个方面对P2P网贷行业进行有效的规制,以促进其健康稳定的发展。
P2P net loans has the nature of a generalized preferences in the long -term financial practice in China＇sHowever, it has broken the traditional financial regulation . And its legal position is not clear, the huge credit risk and the capital safety has become a problem . We should adopt corresponding measures and regulations for the credit rating system and the trust funds in- volved with the P2P net credit industry in order to promote the healthy and stable development of the industry.
出处
《鸡西大学学报（综合版）》
2016年第1期78-82,共5页
JOurnal of Jixi University:comprehensive Edition
