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随着近年来全球范围内与互联网有关的借贷业务和模式的迅速发展,互联网金融市场也随之不断扩张。为解决网络交易平台因金融和互联网创新产生的一系列潜在的风险问题和技术问题,本文通过P2P网贷平台运行体系运行的全过程分析,研究其运行体系中不同主体、不同环节中产生的风险机制,并分析风险产生的制度基础。在此基础上,进一步分析发达国家特定信贷平台的风险生成机制以及监管制度,并与我国的现实情况进行对比和分析。最后,在P2P网贷平台风险生成有关机制、原理和理论研究的基础之上,针对我国有关P2P网络信贷监管中存在的一系列相关问题,为我国监管制度和监管政策提供相关意见建议。
With the rapid development of Internet-related lending businesses and models around the world in recent years, the Internet financial market has also expanded. In order to solve a series of potential risks and technical problems arising from financial and Internet innovation of internet trading platform, this paper analyzes the whole process of the operation of P2P online credit platform operating system, and studies the risks of different main bodies and different links in its operating system Mechanism, and analyze the institutional basis of risk. On this basis, we further analyze the risk-generating mechanism and regulatory system of the specific credit platform in developed countries and compare and analyze with the reality of our country. Finally, based on the research on the mechanism, principle and theory of P2P loan platform risk generation, aiming at a series of related problems in our country’s P2P network credit regulation, this paper provides suggestions for our regulatory system and regulatory policy.