[1]邱 勋,申 睿.P2P网络借贷行业地方监管的问题与对策[J].金融教育研究,2017,(02):47.
 QIU Xun,SHEN Rui.The Problems and Countermeasures of the Local Regulation of P2P Lending Industry[J].,2017,(02):47.
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P2P网络借贷行业地方监管的问题与对策()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2017年02期
页码:
47
栏目:
出版日期:
2017-03-01

文章信息/Info

Title:
The Problems and Countermeasures of the Local Regulation of P2P Lending Industry
作者:
邱 勋 申 睿
浙江金融职业学院 信息与互联网金融学院,浙江 杭州 310018
Author(s):
QIU Xun SHEN Rui
School of Information and Internet Finance,Zhejiang Financial College,Hangzhou,Zhejiang 310018,China
关键词:
P2P 融资 网络借贷 监管
Keywords:
P2P financing network lending regulation
分类号:
F830.51
文献标志码:
A
摘要:
P2P网络借贷以其能切实缓解小微企业融资难而广受欢迎,是互联网金融的核心模式之一。P2P网络借贷行业在各地方的风险成因、表现形式不同。地方政府必须细化P2P网络借贷行业的地方性监管策略,以保证P2P网络借贷业务健康持续发展。一方面有利于落实国家层面对于P2P网络借贷行业的监管指引和办法; 另一方面为地方P2P网络借贷行业制定具有针对性和导向性的监管策略和扶持政策,将P2P网络借贷与地方经济深度融合,推进地方P2P网络借贷行业的健康发展,促进地方经济转型升级。
Abstract:
As one of the core mode of Internet finance,Peer-to-Peer(P2P)lending is generally welcome because it can effectively ease the financing difficulties of small and micro enterprises.The risk causes and the form of P2P lending industry in different regions is different.Local governments must refine the local regulatory strategies for P2P lending industry to ensure the healthy and sustainable development.On the one hand,local regulation is conducive to carry out the national level regulatory guidelines and measures for the P2P lending industry; on the other hand,local regulation can establish targeted and orientedregulatory policies and supporting policies for the local P2P lending,deeply integrateP2P lending and local economy,promote the healthy development of the P2P lending industry,and promote the transformation and upgrading of the local economy.

参考文献/References:

[1]田俊领.我国P2P 网络借贷发展现状及其监管思考[J].金融理论与实践,2014(12).
[2]潘锡泉.我国P2P网贷发展中蕴含的风险及监管思路[J].当代经济管理,2015(3).
[3]Adrian Fong.Regulation of peer-to-peer lending in Hong Kong:state of play[J].Law and Financial Markets Review,2015(9).
[4]邱勋.规则监管时代下传统金融机构的互联网金融发展对策研究[J].西南金融,2016(1).

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备注/Memo

备注/Memo:
收稿日期:2017-02-10基金项目:浙江省金融教育基金会2016年度课题(2016Y07); 2015年杭州市哲学社会科学规划课题“互联网金融创新与小微企业融资对接机制研究——以杭州市为例”(Z15YD002); 2015年浙江省社科联社科普课题“债权众筹P2P投融资实务一本通”(15ZC15)作者简介:邱 勋(1979-),男,江西于都人,硕士,副教授,主要研究方向为互联网金融; 申 睿(1990-),女,浙江金华人,硕士,助教,主要研究方向为互联网金融 。
更新日期/Last Update: 1900-01-01