P2P网贷创新与监管问题研究

发布时间：2018-05-15 22:37

本文选题：市场秩序 + PP网贷创新　；参考：《经济问题》2017年07期

【摘要】：P2P网贷处在互联网金融创新的初级阶段,存在着"伪互联网金融"、信用市场环境不佳、投资者缺乏风险教育、大数据信息建设及法制环境落后等市场秩序问题。市场秩序理论是政府监管的主要理论基础。针对P2P网贷创新发展,政府监管需要加强供给侧的改革要求,从市场利益和谐出发,理性构建协调各方利益的制度安排。一方面政府监管应注重从完善的社会信用体系、个人征信体系、消费者权益、部门间协调机制等方面培育市场创新;另一方面改革原有的审慎监管制度,鼓励自律监管的制度建设,创新大数据信息风险预警体系。基于此提出我国P2P网贷监管的具体策略。
[Abstract]:P2P network loan is in the initial stage of Internet financial innovation. There are some market order problems such as "pseudo-Internet finance", poor credit market environment, lack of risk education for investors, big data information construction and backward legal environment. The theory of market order is the main theoretical basis of government supervision. In view of the innovation and development of P2P network loan, government supervision needs to strengthen the demand of supply-side reform, proceed from the harmony of market interests, and rationally construct the institutional arrangement to coordinate the interests of all parties. On the one hand, government supervision should focus on fostering market innovation from the aspects of perfect social credit system, individual credit system, consumer rights and interests, inter-departmental coordination mechanism, etc. On the other hand, it should reform the original prudential supervision system. To encourage self-regulation of the system building, innovation big data information risk warning system. Based on this, this paper puts forward the specific strategy of P2P network loan supervision in China.
【作者单位】：南京大学商学院;江苏科技大学公共管理学院;
【基金】：国家社会科学基金项目“城镇化服务业发展驱动我国消费需求扩张路径选择研究”(13CJL044) 教育部人文社科研究青年基金项目“全球价值链下外资进入对中国本土企业生存持续时间的影响研究”(16YJC790020)
【分类号】：F724.6;F832.4

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