我国P2P网络借贷发展存在的风险及其监管对策

摘要

分析了我国P2P网络借贷运营过程中存在的诸如贷款资金链断裂引发信用风险、挪用第三方账户资金造成操作风险、资金诈骗导致声誉风险，以及可能弱化政府宏观调控政策效果等风险问题，提出建立联席会议制度共同监管、建立网络借贷信用评价体系、建立P2P借贷资金第三方存管制度、建立P2P网络借贷资金监管体系和探索区域发展模式等P2P网络借贷监管对策。%This paper analyzed the existing risks of P2P network lending in China, such as the credit risk from the break-down of fund chain, the operational risk from the embezzling third party accounts, the reputation risk from fraud and the weakening effec~ on government's macro-economic control. And the supervision countermeasures on the development of P2P Network Lending were put forward from founding Joint Conference system, establishing the credit rating system, the eserow system and the supervision system on the loan fund of P2P network lending, and exploring the regional development modes of P2P network lending in this paper.