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2016年8月银监会联合四部委颁布了我国第一部网贷平台监管新规,新规借鉴了美国的综合监管模式,由多个机构在各自职责范围内对网贷平台及其交易活动进行监管。在监管内容方面,涉及网贷平台的性质界定、备案登记制度、负面清单管理、线下交易禁止、借款金额限制、网络安全、第三方存管、信息披露以及法律责任等诸多领域。
In August 2016, the China Banking Regulatory Commission and the four ministries and commissions promulgated the first new regulatory regulation on China’s online loan platform. The new regulation draws on the comprehensive supervision model of the United States and regulates the online loan platform and its trading activities by various agencies within their respective responsibilities . In terms of regulatory contents, it involves many aspects such as defining the nature of the online loan platform, filing registration system, negative list management, prohibition of offline transactions, limit of loan amount, network security, third party custody, information disclosure and legal liability.