摘要
P2P网络借贷是依托于互联网的一种新型金融借贷模式,本质上属于金融脱媒,目前国内主要存在"单纯中介型,无抵押无担保"等三种运行模式。P2P网络借贷的产生一定程度上弥补了小微企业融资难的空白。小微企业在利用P2P平台融资时必须做好利率管理、期限管理,挑选稳健经营的平台,以利自身的发展。与此同时,金融监管的力量必须介入到P2P网络借贷平台运营中,尤其需要加强对其资金、担保和内控方面的监管,以促使其安全运行。除与P2P网络平台进行合作外,监管机构必须建立小微企业征信体系,以利于双方长远健康的发展。
P2P network lending is a kind of new finance mode based on Internet and it is also a kind of financial disintermediation. There are three kinds of running mode of P2P in China, for example, simple intermediary, no-collateral-and-guarantee. In some degree, P2P network lending makes up for the gap of financing small and micro businesses, but in such financing businesses, the small and micro ones should do well in interest rate management, time management, and select sound management platform. At the same time, financial regulatory power must be involved in the P2P network lending platform management, especially in fund, guarantee and internal control. In addition, in order to facilitate the long-term development, the government regulators must establish small and micro businesses credit system and cooperate with P2P network platform.
出处
《北京城市学院学报》
2014年第3期44-48,共5页
Journal of Beijing City University
基金
北京城市学院经济管理学部科研课题(中小企业融资现状及对策调研)
关键词
P2P网络借贷
小微企业征信体系
第三方托管
P2P network lending
Small and micro businesses credit system
Third-party custody
