摘要
P2P借贷相对于传统金融中介具有向下整合闲散资金并降低交易成本的优势,在"互联网+"和"大众创业万众创新"的政策背景下能够有效倒逼传统金融中介改革,为创新企业提供资金.但目前行业仍存在严重的监管缺失问题,而银监会等政府部门监管缺乏法律授权,监管行为缺乏积极性.因此,提出了以《互联网信息搜索服务管理规定》为契机,通过监管百度对P2P的推广业务进而规范行业发展的思路,并论证了这种方法的有效性.百度搜索量对P2P用户投资行为的相关性分析表明,监管百度推广业务能有效阻碍问题平台获得用户,进而减少问题平台的产生及影响.
Compared to traditional financial intermediaries, P2P lending possesses apparent advantages. This new method of lending is able to integrate idle funds and reduce transaction costs, putting pressure on traditional financial intermediaries and forcing them to reform. P2P lending is also able to provide fiscal fund for micro companies under policies promoting nternet plus and ass entrepreneurship and innovation However, P2P lending has been in desperate need of adequate regulation and governance. Since government functions, including the China Banking Regulatory Commission, lack identifiable legal responsibilities regarding the regulation of P2P lending, they have shown a lack of enthusiasm in supervising behaviors. Taking the introduction of regulations on information searching service as an opportunity, this paper proposes a new approach that standardizes the development of P2P lending by supervising Baidu＇s P2P promotion business and examining its level of efficiency. The result shows that industry entry regulations on search engine can eliminate the exposure of risky platform, and thus lower the risk of the P2P lending industry.
出处
《数学的实践与认识》
北大核心
2017年第20期65-72,共8页
Mathematics in Practice and Theory
关键词
有限关注
P2P监管
百度指数
limited attention
supervising of P2P
Baidu index
