摘要
P2P网络贷款平台近年来的发展引起广泛关注,其中线下债权转让模式快速发展并被推广。该模式具备资产证券化的性质,其采用的个人放贷模式规避了法律的限制。然而2014年发生的坏账风波暴露了其在发展过程中存在的一些问题,包括征信问题、抵御风险能力弱、监管法律不完善、非法集资的可能性以及个人放贷的合法性等。本文针对以上问题,提出了相关建议,以促进该模式的健康发展。
P2P network lending platform has attracted wide attention in recent years, among which the offiine credit assignment mode has promoted its own rapid development. This mode possesses the nature of asset securitiza- tion, and its personal lending mode evades the restrictions of laws. However, the bad debts storm in 2014 shows that the mode exposed some problems in the process of its development, including the problem with its credit, the weak ability to withstand risks, the imperfect supervision laws, the possibility of illegal fund-raising and the legitimacy of the personal loans. In terms of the problems above, the paper puts forward relevant suggestions to promote the healthy development of the mode.
出处
《金融发展研究》
北大核心
2015年第11期40-43,共4页
Journal Of Financial Development Research
