论我国P2P网络借贷投资人保护的实现机制——基于行为经济学视角的制度设计

发布时间：2018-04-11 15:21

本文选题：行为经济学 + 非理性行为　；参考：《湖湘论坛》2017年01期

【摘要】：行为经济学研究证明,人类并不总是基于完全理性做出最优决策,他们经常会受心理、生理、社会影响做出错误决策。要有效落实银监会颁布的《网络借贷信息中介机构业务活动管理暂行办法》中对P2P网络借贷投资人(出借人)保护规定,必须运用行为经济学原理设计轻推措施,以促成P2P网络借贷投资人保护机制的实现。在合格出借人判断上,宜采用合格出借人评估问卷方式,合理选择默认选项和便利选项安排;在网络借贷信息中介机构信息披露上,要实行要点披露和全面披露,同时对影响投资人决策的关键信息进行突显设计,对容易混淆的信息采取纠偏措施。对出借金额达到一定标准的投资人设立冷静期制度,以促成投资人最优决策。
[Abstract]:Behavioral economics studies show that human beings do not always make optimal decisions based on complete rationality. They often make wrong decisions under the influence of psychology, physiology and society.In order to effectively implement the regulations on the Protection of P2P Network Lending investors (lenders) in the interim measures on the Management of the Business activities of Network Lending Information intermediaries promulgated by the CBRC, we must apply the principles of behavioral economics to design and push measures.In order to facilitate P2P network lending investor protection mechanism to achieve.In the judgment of qualified lenders, it is advisable to adopt the method of qualified lender evaluation questionnaire, reasonably choose the default option and convenient option arrangement, and implement the key points disclosure and full disclosure in the information disclosure of online lending information intermediary institutions.At the same time, the key information that affects investor decision is highlighted, and the easily confused information is corrected.A cooling-off period system is established for investors whose loan amount has reached a certain standard to facilitate the investors' optimal decision.
【作者单位】：重庆理工大学;
【分类号】：F832.4;F724.6

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