论文部分内容阅读
《网络借贷信息中介机构业务活动管理暂行办法》(以下简称《网贷暂行办法》)一方面承认了网贷平台的合法地位,另一方面又极其严格地约束了网贷平台的发展。其中,有关限额的规定不仅束缚了网贷平台的发展,而且也有其自身的民法与经济法的困境。文章运用法经济分析手段剖析网贷行业之于金融业的意义,并以此来理清监管的思维。之后,分析限额规定中内生的民法与经济法困境,并在此基础之上给出地方金融监管的建议。
The Interim Measures for the Administration of Business Activities of Internet Loans Information Intermediaries (hereinafter referred to as the “Interim Measures for Internet Loans”) on the one hand acknowledged the legal status of the online credit platform and on the other hand, restricted the development of the online credit platform very strictly. Among them, the provisions of the limit not only bound the development of the network loan platform, but also its own civil and economic law plight. The article analyzes the significance of the net loan industry in the financial industry by means of legal and economic analysis and uses it to clarify the regulatory thinking. After that, it analyzes endogenous civil law and economic law dilemma in the quotas and gives suggestions on local financial supervision on this basis.