我国P2P业务发展存在的问题及对策研究论文VIP专享

本科论文摘 要近年来，将先进的网络借贷金融信息管理技术与民间的互联网金融信息化相结合的大型借贷平台 P2P 在线网络借贷以其便捷、高效的金融服务质量等优点已经发展成为了当今社会人们普遍高度密切关注的一个热点金融门户和借贷服务行业。为了更好地保护并使其健康地生存和发展,包括财政部和中国银监会在内的四部委联合制定并发布了《网上借贷信息中介机构业务活动暂行管理办法》实施的方法,在一定的程度上也有效地填补了法律的监督管理空白。基于目前存在问题,本文我们详细分析了这些网络借贷标准资金管理中存在问题的出现及其根本原因,进一步提出明确的规章制度,完善监督管理机制,并进一步地加强信息的公开披露和其他的政策建议。本文结合国际的实践和经验对于目前我国的互联网借贷信息化监管的借鉴和启示主要是:首先我们要进一步树立起对整体网络金融治理的意识和理念,实施起常态化的管理,建立健全常态化监管的制度,摆脱掉分段治理,整合现有的监管资源和主体。关键字：P2P，网络借贷业务，行业监管本科论文AbstractIn recent years, the large-scale lending platform P2P online platform that combines advanced online lending financial information management technology with private Internet financial informatization has developed into a common height in today's society with its advantages of convenient and efficient financial service quality. A closely watched hotspot financial portal and lending service industry. In order to better protect and make it survive and develop healthily, four ministries and commissions, including the Ministry of Finance and the China Banking Regulatory Commission, jointly formulated and issued the method for implementing the Interim Management Measures for Business Activities of Online Lending Information Intermediaries, to a certain extent. It also effectively fills the gap in the supervision and management of the law. Based on the current problems, in this article we have analyzed in detail the occurrence of these problems in the standard management of online lending...