摘要
近年来,随着互联网及移动互联网的发展以及金融工具的不断创新,网络借贷平台在国内外快速兴起,P2P借贷模式作为互联网金融一种重要的创新模式,也逐渐得到了学术界的高度关注和认可。对比国内外P2P在线借贷平台可以发现,与国外平台相比,国内P2P在线借贷平台在经营理念上有相似之处,但由于信用和法律环境的差异,导致我国P2P在线借贷平台在交易模式、风险控制等方面问题较多,在发展阶段与未来空间上也显示出很大的差距,P2P行业规范问题的解决刻不容缓。综合国内外P2P在线借贷平台发展现状,为更好地推动我国P2P在线平台发展,一要完善相应法律,加强行业监管;二要加强平台认证建设,防范风险;三要改善平台运营方式,分散风险;四要提高平台财务透明度。
In recent years, with the continuou s innovation and development of the internet and mobile internet and financial instrument, a variety of network lending platforms are growing rapidly at home and abroad; the P2P lending model, one of the important innovation models, is attracting more and more attention and is accepted by the academic field. Comparing platforms in China and those in other countries, we can see that there are some similarities in terms of operation principles;but because of the differences in credit and legal environment, there are some problems with China’s P2P network lending platforms from the aspects of trading pattern and risk control and we lagged behind in terms of development stage and future development space, and how to standardize this industry is the problem demanding urgent solution. Considering the current situation of P2P network lending platforms development at home and abroad, to better promote the development of P2P network lending platforms, we should, first, perfect the related laws and strengthen industrial supervision; second, we should strengthen the certification of platforms and prevent risk; third, we should improve the operation pattern and spread risk over broader fields;and fourth, we should improve the financial transparency of platforms.
出处
《中国流通经济》
CSSCI
北大核心
2014年第6期114-121,共8页
China Business and Market
