摘要
P2P借贷行业在西方和我国都得到迅速发展,原因在于其提高投融资效率并将民间金融透明化。英、美等国已初步建立对该行业的监管框架,而我国目前在此方面缺乏顶层设计。研究提出,有效率的P2P借贷监管应当兼顾投融资效率和投资者保护,在维护投资者利益的同时尽量给平台足够的发展空间。首先,加快民间信贷和隐私保护等立法进程刻不容缓。其次,基于国情,P2P借贷行业应当有央行和银监会联合监管。再次,提出建立行业协会和促进行业自律的重要性。
P2P lending achieved significant development both in the western world and in China due to the improvement in investment and financing efficiency that and the transparency of private lending it brings about. The UK and the US have established basic regulatory framework for this industry, but Chi-na is lack in a top level design in this respect. We propose that to efficiently regulate P2P lending in China there must be a balance between investment/financing efficiency and investor protection. Firstly, it’s imperative to speed up legislation on private credit businesses and privacy protection. Secondly, China should have a regulatory body co-established by PBC and CBRC. Finally, we support the role of an industry association and the importance of industry self-discipline.
出处
《金融理论与实践》
北大核心
2014年第1期33-38,共6页
Financial Theory and Practice
关键词
P2P借贷
人人贷
投资者保护
监管模式
P2P lending
peer-to-peer lender
investor protection
regulation mode
