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网络借贷作为一种新的互联网金融模式日益受到消费者的青睐,但在网络借贷发展过程中出现了一些新情况、新问题,特别是缺乏有效监管和法律规范,导致网络借贷潜存风险不断积聚。本文从准入管理、运营管理、退出管理三方面提出了制度设计思路,并结合监管实际提出了规范措施,以期促进网络借贷健康发展。
As a new internet finance model, internet loans are increasingly favored by consumers. However, some new situations and new problems have emerged in the development of online lending. In particular, the lack of effective regulation and legal regulation has led to the continuous accumulation of latent risks of online loans . This article puts forward the idea of system design from the three aspects of access management, operation management and exit management, and puts forward the normative measures combining with the practice of supervision in order to promote the healthy development of internet loans.