摘要
信息技术的飞速发展催生了P2P网络借贷信息中介机构,该机构的出现弥补了传统借贷市场的不足,为借贷双方提供了高效、便捷的借贷渠道。但该平台因身份模糊、法律规定缺位、监管空白、内部控制不规范等问题造成了巨大风险。需要制定配套法律文件,严格P2P网贷市场准入机制,加强中介机构市场运营的监管,建立完备的信用信息系统,避免"野蛮生长"带来的系统风险。
The rapid development of information technology has given rise to the emergence of some intermediary organizations on P2P network loan information which makes up for the shortcomings of traditional lending markets and provides efficient and convenient channel for both borrowers and lenders. But the platform may cause huge risks due to such problems as fuzzy identification, the absence of law regulations, regulatory gaps, nonstandard internal control, etc. In order to avoid the ＂savage growth＂ brought by systemic risks, the following solutions are suggested to take： to work out a complete set of legal documents, to exercise strict control over P2P network credit market access mechanism, to strengthen the supervision of the intermediary market operation, and to establish a complete credit information system.
出处
《黑河学院学报》
2017年第1期30-31,40,共3页
Journal of Heihe University
基金
2016年度甘肃省哲学社会科学规划项目"甘肃省P2P网络借贷市场准入与监管法律问题研究"(YB069)
关键词
P2P
网络借贷信息中介机构
法律监管
P2P
the intermediary organizations on P2P network loan information
legal supervision
