论P2P网贷的规制
发布时间：2018-08-06 16:28
【摘要】：P2P网贷的出现和发展,为缓解我国小微企业和个人融资难提供了一个新思路,弥补了银行等金融机构贷款机制的不足。但法律的缺失和监管的缺位,造成P2P网贷合法性受质疑、平台运作不规范、投资人缺乏理性以及借款人信用不完整,有必要明确P2P网贷的合法界线,规范平台的运营模式,引入合格投资人制度以及完善征信系统,以保证P2P网贷的健康发展。
[Abstract]:The emergence and development of P2P network loan provides a new way to ease the difficulty of financing for small and micro enterprises and individuals in China, and makes up for the shortage of loan mechanism of banks and other financial institutions. However, the lack of law and the lack of supervision have caused the legality of P2P network loans to be questioned, the operation of the platform is not standardized, the investors are not rational and the borrowers' credit is incomplete, it is necessary to define the legal boundary of P2P network loans and standardize the operation mode of the platform. In order to ensure the healthy development of P2P network loan, QPI system is introduced and credit information system is improved.
【作者单位】： 厦门大学嘉庚学院;
【分类号】：D922.28
[Abstract]:The emergence and development of P2P network loan provides a new way to ease the difficulty of financing for small and micro enterprises and individuals in China, and makes up for the shortage of loan mechanism of banks and other financial institutions. However, the lack of law and the lack of supervision have caused the legality of P2P network loans to be questioned, the operation of the platform is not standardized, the investors are not rational and the borrowers' credit is incomplete, it is necessary to define the legal boundary of P2P network loans and standardize the operation mode of the platform. In order to ensure the healthy development of P2P network loan, QPI system is introduced and credit information system is improved.
【作者单位】： 厦门大学嘉庚学院;
【分类号】：D922.28
【参考文献】
相关期刊论文 前2条
1 易燕;徐会志;;网络借贷法律监管比较研究[J];河北法学;2015年03期
2 禹海慧;;我国P2P网络贷款平台的弊端及管理[J];中国流通经济;2014年02期
【共引文献】
相关期刊论文 前9条
1 李e，
本文编号：2168300
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