P2P 网络借贷监管的博弈分析

摘要

Since the online peer to peer lending was brought in China in 2007,it has developed rapidly. Risk control is the foundation for the development of the industry.As the lending platform frauds frequently with uncertain risks,it is urgent to have a proper regulation of P2P.At present,China Banking Regulatory Commission has been determined as the regulator of P2P.However,contents of supervision are not set in China.Therefore,based on the game relationship between the regulator and P2P companies,the regulator should promote the P2P industry development by self-regulation,setting the threshold and strict penalties and so on.%自2007年 P2P 借贷模式第一次出现， P2P 网络借贷平台诈骗频发以及各种风险的不确定性，都使得对 P2P 的监管刻不容缓。目前，我国 P2P 监管已经确定归口于银监会，但是具体监管内容还未出台。因此，针对 P2P 行业中监管机构和被监管机构的博弈关系，监管部门需要通过加强自律、设立入行门槛、建立严苛的处罚机制等手段来规范 P2P 网络借贷行业的发展。