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P2P网贷的健康发展有赖于适宜的P2P网贷自律运营规范的促进。英国P2P金融协会制定的《运营准则(2015)》是目前全球最为先进的自律性网贷运营准则。《运营准则(2015)》通过六项高级准则和明确性与透明性、平台风险管理、公司治理与控制、运营数据报告、保留与免责声明五方面具体准则,构建了结构合理、内容全面的P2P网贷运营准则体系。为应对中国P2P网贷行业发展乱象,促进网贷规范化运营,可以从结构模式、规范方法、具体内容及其与法律的衔接等视角借鉴英国P2P金融协会《运营准则(2015)》,制定和完善中国自身的P2P网贷运营准则体系。
The healthy development of P2P network credit depends on the appropriate P2P network credit self-operation norms to promote. The “Operational Guidelines (2015)” developed by the UK P2P Financial Association is the most advanced self-regulatory network loan operation guideline in the world. The Code of Practice (2015) builds a well-structured and comprehensive P2P system by using six high-level guidelines and specific guidelines on clarity and transparency, platform risk management, corporate governance and control, operating data reporting, retention and disclaimer. Network credit operating standards system. In order to cope with the chaos in the development of China’s P2P net lending industry and promote the normal operation of net lending, we can learn from the operating guidelines (2015) of the British P2P Financial Association from the perspectives of structural mode, standardized methods, specific content and its link with the law, Improve China’s own P2P network credit operating standards system.