我国P2P借贷平台监管套利的路径、危害及治理措施

发布时间：2018-01-08 05:22

本文关键词：我国P2P借贷平台监管套利的路径、危害及治理措施　出处：《河北经贸大学学报》2017年01期 　论文类型：期刊论文

【摘要】：2011年以来,我国P2P借贷行业爆发式增长,学界普遍认为其成长动力来源于监管套利。我国P2P借贷平台监管套利是通过引入担保、承诺赎回、债权转让、产品标准化、创设净值标等手段,实现了与商业银行同样的功能,却无需接受金融监管。监管套利破坏了监管制度的有效性,侵害了金融消费者权益,阻碍了正规P2P借贷的发展,在一定程度扰乱了宏观调控,增加了诱发系统性金融风险的机会,具有较大的负面影响。为此,应采取相应措施,如完善我国民间借贷的相关法律体系,实现从机构监管向功能监管、审慎监管向双峰监管的转变,建立P2P借贷的监管数据报送系统。
[Abstract]:Since 2011, the P2P lending industry in China has exploded, and the academic circles generally think that its growth power comes from regulatory arbitrage. In China, P2P lending platform regulatory arbitrage is through the introduction of guarantees, promise redemption. The transfer of creditor's rights, standardization of products, creation of net worth mark and other means have achieved the same function as commercial banks, but no need to accept financial supervision. Regulatory arbitrage undermines the effectiveness of the regulatory system. It infringes the rights and interests of financial consumers, hinders the development of formal P2P lending, disturbs macro-control to a certain extent, increases the chance to induce systemic financial risk, and has a greater negative impact. The corresponding measures should be taken, such as perfecting the relevant legal system of our country's private lending, realizing the transformation from institutional supervision to functional supervision, prudently supervising to double-peak supervision, and establishing a P2P loan regulatory data reporting system.
【作者单位】：北京交通大学中国产业安全研究中心博士后科研工作站;北京交通大学经济管理学院;中国人民银行天津分行;
【基金】：国家自然科学基金青年项目(71303169) 国家社会科学基金青年项目(13CJY123) 教育部人文社会科学研究青年基金项目(13YJC790120)
【分类号】：F832.4;F724.6
【正文快照】： P2P(Peer-to-Peer)借贷是个体与个体直接发生借贷关系,整个过程无需金融中介参与,具有去中介化特点。2005年英国Zopa网站正式运营,标志着P2P借贷诞生;2006年美国第一家P2P借贷平台Prosper网站正式上线,同年,我国第一家P2P借贷平台“宜信”正式成立;2007年,目前全球最具影响力

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