【摘要】：P2P網(wǎng)貸的出現(xiàn)和發(fā)展,為緩解我國小微企業(yè)和個人融資難提供了一個新思路,彌補了銀行等金融機構(gòu)貸款機制的不足。但法律的缺失和監(jiān)管的缺位,造成P2P網(wǎng)貸合法性受質(zhì)疑、平臺運作不規(guī)范、投資人缺乏理性以及借款人信用不完整,有必要明確P2P網(wǎng)貸的合法界線,規(guī)范平臺的運營模式,引入合格投資人制度以及完善征信系統(tǒng),以保證P2P網(wǎng)貸的健康發(fā)展。
[Abstract]:The emergence and development of P2P network loan provides a new way to ease the difficulty of financing for small and micro enterprises and individuals in China, and makes up for the shortage of loan mechanism of banks and other financial institutions. However, the lack of law and the lack of supervision have caused the legality of P2P network loans to be questioned, the operation of the platform is not standardized, the investors are not rational and the borrowers' credit is incomplete, it is necessary to define the legal boundary of P2P network loans and standardize the operation mode of the platform. In order to ensure the healthy development of P2P network loan, QPI system is introduced and credit information system is improved.
【作者單位】： 廈門大學(xué)嘉庚學(xué)院;
【分類號】：D922.28

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1 李e，

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