论文部分内容阅读
近年来我国的P2P网络借贷行业发展迅猛,但由于行业准入门槛低,信用体系不健全,相关法律法规及监管缺失等原因,使该行业的发展逐渐背离了P2P网络借贷最初的目标,衍生出很多各不相同的经营模式。随着其法律关系的日趋复杂,法律风险也在不断累积,金融监管部门有必要在风险控制的思路下,建议对P2P网络借贷平台进行适当的监管,尽快出台相关管理办法,加强行业自律和内控机制等方面对其法律风险加以规制。
In recent years, China’s P2P online lending industry is developing rapidly. However, due to low industry access threshold, imperfect credit system, relevant laws and regulations and lack of supervision, the development of this industry has gradually deviated from the initial goal of P2P online lending. A lot of different business models. With the increasingly complex legal relationship and legal risks are also accumulating, it is necessary for financial regulators to put proper supervision on P2P online lending platform under the risk control mentality, to introduce relevant management measures as soon as possible, to strengthen self-discipline and internal control Mechanism and other aspects of its legal risk to be regulated.