论文部分内容阅读
P2P网络借贷产生不到十年时间,对于中国的监管层而言是新兴事物,其认识有一个递进的过程。当前互联网金融专项整治正如火如荼开展,整顿的一个重心是P2P网络借贷行业。而银监会的《网络借贷信息中介机构业务活动管理暂行办法》(以下简称《暂行办法》)迟至今年8月份才正式公布,一个重要原因乃是监管明确的P2P信息中介性质与其信用中介的现状存在根本矛盾。就此,本文针对P2P业务性质进行了探讨,并在现有监管框架下就如何完善P2P的监管提出建议。
P2P network lending has taken less than 10 years, which is a new thing for the Chinese regulators. Its understanding has a gradual process. The current special rectification of Internet finance is in full swing, rectification is a P2P lending industry. However, the CBRC’s Interim Measures for the Administration of Business Activities of Internet Loan Information Intermediaries (hereinafter referred to as the “Interim Measures”) was officially announced in August this year. An important reason for this is that the regulatory nature of P2P information intermediaries and the status quo of their credit intermediaries Fundamental contradiction. In this regard, this paper discusses the nature of P2P services and puts forward suggestions on how to improve the supervision of P2P under the existing regulatory framework.