摘要
在“三降”要求和持续严整治的双重压力下,P2P网络借贷行业规模持续被压缩,平台数、交易量继续呈现“双降”特征。随着各省市不断取缔不合规P2P网络借贷平台以及符合条件平台陆续完成转型,预计现有的P2P网络借贷平台将有绝大部分在2020年完成“清退或转型”的选择。根据《关于做好网贷机构分类处置和风险防范工作的意见》相关要求,转型整改难度大、风险隐患较为突出的P2P网络借贷平台将在制定良性退出方案后逐步退出网络借贷行业;符合相关条件的P2P网络借贷平台将向网络小贷公司、助贷机构或持牌资产管理机构等金融主体转型。本文在梳理我国P2P网络借贷行业发展现状的基础上,对P2P网络借贷平台未来发展趋势以及转型相关问题进行了深入探讨和分析。
Under the double pressure of“three drop request”and continuous strict regulation,the scale of P2P network lending industry continues to be compressed,the number of platforms and trading volume continue to show the characteristics of"two drops".As provinces and cities continue to ban non-conforming P2P network lending platforms and qualified platforms have completed the transformation,it is expected that most of the existing P2P network lending platforms will complete the“liquidation or transformation”in 2020.According to the relevant requirements of the opinions on the classified disposal and risk prevention of online lending institutions,P2P online lending platform,which is difficult to transform or has more potential risks,will gradually withdraw from the online lending industry after formulating a benign exit plan;The P2P network lending platform that meets the relevant conditions will be transformed into financial entities such as network small loan companies,loan aid institutions or licensed asset management institutions.On the basis of reviewing the development status of P2P online lending industry in China,this paper makes an in-depth discussion and analysis on the future development trend and transformation of P2P online lending platforms.
作者
赵大伟
杜谦
ZHAO Dawei;DU Qian(People's Bank of China,Beijing 100800)
出处
《西部金融》
2020年第2期9-15,共7页
West China Finance
