互联网金融的发展、风险与监管——以P2P网络借贷为例被引量：20

The Development, Risk and Regulation of Internet Finance——Evidence from Peer-to-Peer Online Lending

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摘要 P2P网络借贷是中国互联网金融的重要业态之一,在短短几年的发展过程中先后呈现出野蛮生长与快速清退、监管缺失与监管频出、风险积聚与风险爆发等鲜明而又迥异的市场特征。本文基于P2P网络借贷市场最有代表性的一手微观数据,系统地分析了这一新兴互联网金融业态的发展与风险特征,并且特别聚焦于前期的监管缺失以及之后密集出台的监管政策对市场风险爆发可能产生的影响,力图为今后针对新兴互联网金融业态的风险监管提供实证的依据。 P2 P online lending is one of the main forms of internet finance in China,which witnesses both fast expanding and shrinking,absence of regulation and regulation implementation in short period of time,as well as risk accumulation and risk exposure.Based on micro data from P2P online lending,this paper analyzes the development,risk and regulation of P2 P lending,paying attention to the relationship between risk exposure and regulation.It provides some new clues for future regulation on internet finance.

作者陈钊邓东升 CHEN Zhao;DENG Dongsheng

机构地区复旦大学中国社会主义市场经济研究中心

出处《学术月刊》 CSSCI 北大核心 2019年第12期42-50,共9页 Academic Monthly

关键词 P2P网络借贷互联网金融金融风险监管 P2P online lending internet finance financial risk regulation

分类号 F83 [经济管理—金融学]

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参考文献1

1陈霄,叶德珠.中国P2P网络借贷利率波动研究[J].国际金融研究,2016(1):83-96. 被引量：63

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