摘要
行业自律在政府监管和网络借贷平台之间起到良好的缓冲和调节作用,它有利于营造效率更高、方式更灵活的监管环境,提高监管的弹性和有效性。P2P网络借贷行业的良治离不开行业自律。本文在对相关文献进行回顾和评述的基础上,首先基于P2P网络借贷行业自律参与主体,构建P2P网络借贷行业自律成本—收益的理论模型,研究P2P网络借贷平台自律与否的策略选择行为;其次,鉴于英、美等主要发达国家具有P2P网络借贷行业发展的先发优势,分析这些国家P2P网络借贷行业自律的跨国经验,并进行经验比较;最后,基于理论模型与跨国经验,以及中国的发展现状和存在问题,提出了促进我国P2P网络借贷行业自律的对策建议,如提高行业协会覆盖率、完善会员惩罚激励机制等。
Industry self-discipline plays a good buffer and adjustment role between government regulation and P2P lending platforms,and it is conducive to creating a more efficient and flexible regulatory environment,and improving the elasticity and effectiveness of regulations.The good governance of P2P lending is inseparable from industry self-regulation.First,based on reviewing and commenting on relevant literatures and participants of industry self-regulation of P2P Lending,this paper constructs a theoretical model of the cost and benefit of industry self-regulation of P2P lending and studies the strategic choice behavior of P2P lending platforms.Second,because of the first-mover advantages of self-regulation of P2P Lending in Britain,the United States and other major developed countries,this paper analyzes and compares the transnational experiences of industry self-regulation of P2P lending in these countries.Finally,based on the theoretical model and transnational experiences,as well as the current situation and existing problems of China's development,this paper puts forward some countermeasures and suggestions to promote the industry self-regulation of P2P lending in China,such as the increase of the coverage of industry associations and the improvement of the mechanism of the punishment and incentive.
出处
《金融监管研究》
北大核心
2018年第8期93-110,共18页
Financial Regulation Research
基金
教育部人文社会科学研究规划基金项目"激励相容视角下互联网金融创新监管机制构建研究"(15YJA790001)的阶段性成果
关键词
P2P网络借贷
行业自律
理论模型
跨国经验
P2P Lending
Industry Self-regulation
Theoretical Model
Transnational Experience
