| 林乐芬,顾庆康.互联网金融背景下P2P网络借贷规范化发展——基于温州与江苏案例的比较研究[J].南京邮电大学学报(社会科学版）,2015,(03):7~17 |
| 互联网金融背景下P2P网络借贷规范化发展——基于温州与江苏案例的比较研究 |
| Formalization of P2P lending in the context of Internet finance:Based on a comparison between Wenzhou and Jiangsu cases |
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| 中文关键词: 互联网金融 P2P网络借贷 民间借贷 金融监管 |
| 英文关键词:Internet finance P2P lending private lending financial supervision |
| 基金项目:中国浦东干部学院2014年度长三角改革发展研究课题“小微金融创新发展研究”（CELAP2014 YZD 05）；江苏省哲学社会科学基金重点项目“支持中小企业发展的金融体系研究”（12DDA007） |
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| 中文摘要: |
| P2P网络借贷作为互联网金融背景下运用现代信息技术发展起来的金融运作新模式，能促进民间融资规范化和阳光化发展，并且能够有效地缓解中小微企业融资难、融资贵的困境，但也存在信用风险、经营风险以及市场风险。科学有效地监控与管理风险事关P2P网络借贷的未来发展。现有的比较有代表性的温州市民间借贷服务中心和江苏“开鑫贷”公司主营的两种P2P网络借贷服务平台模式，在主体地位、结算方式以及风险防控机制等方面形成各自特色。两种模式虽在降低借贷风险、减少借贷纠纷方面起到了积极作用，但仍存在覆盖率低、无相关针对性法律规范以及违约风险等规范化问题。因此,需要通过成立P2P行业协会加强行业自律，制定针对性监管条例进行规范，构建完整有层次的信用评级体系以促进P2P行业健康发展。 |
| 英文摘要: |
| As a new model of financial operations using modern information technology in the context of Internet finance, P2P lending can promote the standardized development of private finance and solve the financing problems for small and medium enterprises. But this model involves higher credit risk, operational risk and market risk. Therefore, effective monitoring and management of the risks ensures the development of P2P lending. At present, the two types of P2P lending models represented by the Private Lending Service Center in Wenzhou and “Kaixindai” in Jiangsu have different characteristics in terms of the main status, method of payment as well as risk prevention mechanism, but both take an active role in reducing credit risk and loan disputes. However, the two models still have a lot of problems, such as low coverage, no specific legal regulations and high risk. In order to promote the healthy development of P2P lending, it is suggested to strengthen industry self discipline by establishing P2P industry union, develop specific regulatory norms and build a complete credit rating system of different levels. |
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