摘要
P2P网络借贷有利于拓宽我国居民投资理财渠道和缓解中小微企业融资难问题,规范我国P2P网络借贷行业发展对更好地实现金融支持经济发展具有重要的现实意义。本文借鉴美国P2P网络借贷行业发展的规模化模式、健全的信用体系、完善的监管机制、高效的成本管理等经验,基于SCP视角对两国P2P网络借贷行业的市场类型、成本结构、运作模式、借款人和投资者的行为、风险收益情况等方面进行了比较。对比发现,中国P2P网络借贷行业存在准入门槛低导致的鱼龙混杂、O2O模式下的高成本、风险管理能力差和众多平台破产倒闭等问题。未来中国P2P网络借贷行业的发展可从构建多层次监管体系、加强行业自律、建立借款人评级制度、优化风险控制和成本管理等方面入手。
P2P is helpful for us to broaden the residents＇ financing and investment channels and alleviate the financing dilemma of Small,Medium and Micro enterprises. Regulating the P2 P market is of great practical significance for us to make the financial industry to give more support for economic development. By learning from the experience of America in P2 P network lending,such as the large scale pattern,the perfect credit system,the improved supervision mechanism,and the effective cost management system,based on SCP perspective,the author compares the current situation of P2 P industry in China and America in terms of market type,cost structure,operation pattern,the behaviors of borrowers and investors,and risk and profit. It is found that there are some problems with China＇s P2 P industry,such as chaos caused by low threshold,the high cost with O2 O,the inefficient capability for risk management,and the bankruptcy of many platforms. In the future,we should promote the development of China＇s P2 P industry from such aspects as building the multi- layer supervision system,strengthening the industrial self- discipline system,formulating the borrowers＇ credit rating system,and optimizing the risk control and cost management system.
出处
《中国流通经济》
CSSCI
北大核心
2016年第4期115-122,共8页
China Business and Market
基金
广东省财政厅项目"广东省经济转型中科技金融支持中小微企业发展研究"(2015A17)
关键词
金融市场
P2P网络借贷
比较研究
发展对策
financial market
P2P network lending
comparison research
countermeasures for development
