P2P網(wǎng)貸的風(fēng)險(xiǎn)探析及防控對策

內(nèi) 容 摘 要

【摘要】：

P2P網(wǎng)貸是互聯(lián)網(wǎng)金融的一種模式，自2014年開始P2P網(wǎng)貸平臺以井噴式的速度增長，由此所帶來的風(fēng)險(xiǎn)也在不斷的增加。由于對P2P網(wǎng)貸的監(jiān)管存在盲區(qū)，使得近兩年來P2P行業(yè)魚龍混雜，P2P平臺停業(yè)和跑路的事件頻發(fā)，投資者的利益沒有得到有效的保護(hù)，從而引發(fā)了社會各界對P2P網(wǎng)貸監(jiān)管的關(guān)注。為了更好的保護(hù)投資者的利益，文章基于我國P2P網(wǎng)貸的發(fā)展現(xiàn)狀以及目前監(jiān)管中所存在的問題，分別從P2P網(wǎng)貸自身的角度和國家的角度對P2P網(wǎng)貸的監(jiān)管提出了建議。

【關(guān)鍵詞】：P2P網(wǎng)貸；現(xiàn)狀；監(jiān)管

目       錄

1 P2P網(wǎng)貸概述............................................................................................................2

2 P2P網(wǎng)絡(luò)借貸的主要模式.........................................................................................2

　　2.1 “純平臺”模式.............................................................................................2

　　2.2 債權(quán)轉(zhuǎn)讓模式.................................................................................................2

　　2.3 擔(dān)保模式.........................................................................................................3

3 P2P網(wǎng)絡(luò)借貸的特點(diǎn).................................................................................................3

3.1 借貸雙方的廣泛性.........................................................................................3

3.2 信用選則性.....................................................................................................3

3.3 風(fēng)險(xiǎn)分散性.....................................................................................................3

3.4 交易方式的高效性和靈活性.........................................................................4

4我國P2P網(wǎng)貸的發(fā)展現(xiàn)狀.........................................................................................4 5 P2P網(wǎng)絡(luò)借貸平臺發(fā)展中存在的風(fēng)險(xiǎn).....................................................................4

5.1 缺乏監(jiān)管.........................................................................................................4

5.2 信用風(fēng)險(xiǎn).........................................................................................................4

5.3 企業(yè)自身風(fēng)險(xiǎn).................................................................................................4

6我國P2P網(wǎng)貸存在的問題.........................................................................................5

6.1平臺管理不善...................................................................................................5

6.2面臨資金池風(fēng)險(xiǎn)...............................................................................................5

7發(fā)達(dá)國家對P2P的監(jiān)管措施.....................................................................................5

7.1 施行注冊制管理.............................................................................................5

7.2 完善監(jiān)管體系.................................................................................................6

7.3 加快建立征信系統(tǒng).........................................................................................6

7.4 完善消費(fèi)者投訴處理機(jī)制.....................................................................................6

8對P2P網(wǎng)貸的監(jiān)管建議.............................................................................................6

　　8.1 P2P平臺自身應(yīng)堅(jiān)守的原則...........................................................................6

　　　　8.1.1建設(shè)真正的P2P平臺...........................................................................6

8.1.2P2P平臺要有足額的擔(dān)保.....................................................................7

8.1.3充分披露信息........................................................................................7

8.2 國家對P2P的監(jiān)管.........................................................................................7

8.2.1加快立法進(jìn)程........................................................................................7

8.2.2明確P2P的監(jiān)管主體............................................................................8

8.2.3加強(qiáng)對P2P的事前監(jiān)管......................................................................8

8.2.4成立P2P行業(yè)協(xié)會..............................................................................8

8.2.5建立基于大數(shù)據(jù)的監(jiān)管........................................................................9

　　　　8.2.6政府加大對網(wǎng)絡(luò)平臺的監(jiān)管力度......................................................9

　　　　8.2.7加強(qiáng)信息披露制度..............................................................................9

　　　　8.2.8加強(qiáng)客戶資金第三方的存款制度......................................................9

　　　　8.2.9加強(qiáng)P2P行業(yè)自身合規(guī)經(jīng)營..............................................................9

　　　　8.2.10建立嚴(yán)格的催收制度.......................................................................10

8.2.11加強(qiáng)投資者對P2P網(wǎng)絡(luò)借貸的認(rèn)識，理性投資............................10

9 結(jié)語..........................................................................................................................10