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网络借贷作为一种金融创新方式,带来了不同于传统金融的风险。同时由于我国经济社会发展程度不同,网络借贷在我国也出现了很多本土化做法,产生了我国特有的风险。我国传统命令控制型风险防控模式已经不能适应我国现实的发展和市场化改革的需要。但英美完全以市场为主体的风险防控模式也不适合我国网络借贷的风险防控。我国网络借贷风险防控必须以交易安全与效率均衡为目标,借鉴负面清单管理方式,明确我国网络借贷的行为界限,同时采用激励性规制方式推动网络借贷主体的市场化选择,以防范和控制风险。
As a kind of financial innovation, Internet borrowing brings risks different from traditional finance. At the same time, due to the different degrees of economic and social development in our country, there are also a lot of localization methods of internet loans in our country, which have given rise to the peculiar risks in our country. China’s traditional command-controlled risk prevention and control model can no longer meet the needs of China’s real development and market-oriented reforms. However, the risk prevention and control model based on the market as the main body in the United States and the United Kingdom is not suitable for the prevention and control of the risks in China’s online lending. The prevention and control of online loan risk in our country must take trade security and efficiency balance as the goal, draw lessons from the way of negative list management, clarify the behavior limits of our country’s network borrowing and loan, at the same time, promote the market-oriented choice of the main body of online loan in the mode of incentive regulation to prevent and control the risk .