我国P2P网络贷款风险监管机制的构建.docVIP

我国P2P网络贷款风险监管机制的构建 彭晓娟 信阳师范学院法学与社会学院 P2P网络借贷在我国发展方兴未艾，行业性监管缺失引起的运营风险对金融秩 序形成较大的威胁。当前我国P2P网贷平台主要存在着监管机构缺位、监管法规 缺失等法律风险，逾期呆坏账、非法集资等信用风险，以及技术风险和操作风 险。当前需要明确监管主体，完善市场准入及退出制度，消除法律风险;完善征 信制度，建设征信系统共享机制，防范信用风险;加强系统建设，构建安全环境, 消除技术风险;提升从业人员专业素养，完善组织架构，杜绝操作风险。 关键词： P2P网络借贷T台;金融创新;风险监管; 基金：教育部人文社会科学研宂一般项目（16YJC820027） The Construction of China，s Risk Supervision Mechanism for P2P Network Lending PENG Xiaoiuan School of Law and Sociology, Xinyang Normal University; Abstract： P2P network lending is developing rapidly in China. However, the operational risk caused by industry regulation loss becomes a larger threat to the financial order. P2 P network lending has some advantages compared to traditional financial institutions， but because of its cross-border business model and virtuality, the operational risk is also more complicated. According to the risk category, there are legal risks such as lack of regulations and regulatory, credit risk as overdue debts and illegal fund raising, technical risk and operation risk. It is required to build an effective supervision mechanism, mainly to clear regulatory body, perfect the regulations, and eliminate the legal risks; improve the credit system, construct the credit sharing mechanism, and guard against credit risks; strengthen the construction of network system, build a safe environment, and eliminate technical risk; improve staff professional, perfect organizational structure, and prevent operation risk; pay attention to consumer protection and maintain financial market stability. Keyword： P2P network lending; financial innovation; risk regulation; 一、问题的缘起 近年来，以IT技术为特征的互联网思维引起了社会各个领域的颠覆性改革。互 联网思维对传统金融行业的冲击和挑战更是引起了一场前所未有的金融变革。在 融资借贷领域，其主要代表形态就是P2P网络借贷模式，其较大的影响就是实 现丫 “金融脱媒”。P2P是网络借贷的简称，英文名称为“peerto-peer”，在 美国也被称力“person to person”，是“伙伴对伙伴”或“个人对个人”的意 思。P2P平台公司作为信息中介网站，将有资金出借意向的出借人的出借信息和 有资金需求意向的借款人的借款信息在网贷平台上发布，借款人和出借人经过 自由竞价实现融资。网络借贷和普通借贷一样，出借人获得利息收益，承扪风险; 贷款人到期偿还本金。由于双方的信息是通过特定的P2P平台发布并撮合成交的, 各自需要按照一定比例向P2P网贷平台交付一定的信息服务费，这也是P2P平台 的营运收