本文選題：網(wǎng)貸平臺(tái)　切入點(diǎn)：資金第三方存管　出處：《上海金融》2017年03期 　論文類型：期刊論文

【摘要】：依托于互聯(lián)網(wǎng)技術(shù),網(wǎng)絡(luò)借貸行業(yè)憑借其便捷、高效的特點(diǎn)近年來呈現(xiàn)井噴式增長(zhǎng)。由于監(jiān)管真空、制度約束缺乏,企業(yè)跑路、非法集資等問題頻頻爆出。2015年7月,十部委《關(guān)于促進(jìn)互聯(lián)網(wǎng)金融健康發(fā)展的指導(dǎo)意見》出臺(tái),首次明確了網(wǎng)絡(luò)借貸應(yīng)選擇符合條件的銀行業(yè)金融機(jī)構(gòu)作為資金存管機(jī)構(gòu)。出于聲譽(yù)風(fēng)險(xiǎn)及成本收益的考慮,銀行合作意愿不強(qiáng),存管制度落地進(jìn)展緩慢。本研究調(diào)研了多家代表性網(wǎng)貸平臺(tái),分析其業(yè)務(wù)運(yùn)作及資金第三方存管模式,建立了監(jiān)管部門、存管機(jī)構(gòu)(商業(yè)銀行)和網(wǎng)貸平臺(tái)三方博弈模型,從納什均衡的角度探討該行業(yè)未來發(fā)展。理論研究表明,提高網(wǎng)貸平臺(tái)的造假成本和平臺(tái)違規(guī)行為的罰款是使市場(chǎng)達(dá)到良性發(fā)展的有效途徑。
[Abstract]:Relying on Internet technology, the online lending industry has boomed in recent years with its convenient and efficient characteristics. Due to a regulatory vacuum, a lack of institutional constraints, enterprises running the road, illegal fund-raising and other problems frequently popped up in July 2015. Ten ministries and commissions issued guidelines on promoting the healthy Development of Internet Finance, which for the first time made it clear that qualified banking financial institutions should be selected as financial depository institutions for online lending. The cooperation will of banks is not strong, and the deposit and management system is making slow progress. This study has investigated several representative internet loan platforms, analyzed their business operation and the mode of third party deposit and management of funds, and established the supervision department. This paper discusses the future development of the industry from the perspective of Nash equilibrium by using the three-party game model of depository management institution (commercial bank) and network loan platform. It is an effective way to make the market develop healthily by increasing the cost of counterfeiting and the penalty of illegal behavior.
【作者單位】： 中國(guó)人民銀行營(yíng)業(yè)管理部;
【分類號(hào)】：F724.6;F832.4

【相似文獻(xiàn)】

相關(guān)重要報(bào)紙文章 前3條

1 記者 馮春鳴　通訊員 陳仰洲;塑料城網(wǎng)上市場(chǎng)實(shí)現(xiàn)交易資金銀行第三方存管[N];寧波日?qǐng)?bào);2010年

2 江南;白銀現(xiàn)貨市場(chǎng)啟動(dòng)保證金第三方存管[N];第一財(cái)經(jīng)日?qǐng)?bào);2007年

3 萬(wàn)聯(lián)證券研究所所長(zhǎng) 傅子恒;P2P網(wǎng)貸平臺(tái)監(jiān)管體系亟待完善[N];中國(guó)證券報(bào);2014年

，

本文編號(hào)：1564210