【作者】 杨柳；

【导师】 王立武；

【作者基本信息】 山东政法学院 ， 法律硕士（专业学位）， 2021， 硕士

【摘要】 P2P平台是普惠金融发展的产物,然而,在它发展的过程却逐渐异化,成为了某些不法分子吸收公众存款的网络非法集资平台。随着P2P平台的规模扩大、数量增加,一些平台由于内部风控能力不足和外部经营状况恶劣,资金链断裂,出现了平台倒闭、停业和跑路的状况。最终,这一点对点的网络借贷模式永远的退出了历史舞台。P2P平台的井喷式发展到衰退的历程给网贷行业留下深刻的经验教训和反思,我国网贷行业的整治工作任重而道远。一方面,解决网贷行业的存量风险要充分利用牵头部门带动公检法进行追赃挽损工作,打击反催收联盟等老赖团体,同时应健全征信体制,安抚P2P爆雷平台受害人情绪,注意维稳工作。另一方面,在混业经营的背景下,网贷行业的监管仍然面临困境。笔者认为,网贷行业的长效发展机制应围绕着穿透式监管来建立,穿透式监管能够突破传统牌照监管的束缚,能在一定程度上解决网贷行业监管难的问题。目前,我国互联网金融的监管制度和整治工作已经体现了穿透式监管,例如要求断开支付业务与信贷业务的链接,将部分网贷公司纳入国家反洗钱系统。未来几年,首先应着重于对网贷产品定价机制的穿透,打击网贷产品“伪”创新,严查网贷平台以“阴阳合同”的方式损害金融产品消费者权益的行为;其次,要控制互联网金融公司的流量宣传,避免过度诱导使消费者偏离理性,冲动消费;最后,监管要平衡金融创新与风险防范,在使用穿透式监管手段时,要遵循比例原则,包括适当性原则、必要性原则、狭义比例原则。网贷业务给人们的生活带来了便利,这是互联网金融发展的成果,有关部门要以审慎的态度使用穿透式监管手段控制行业风险,在确保行业最大限度发挥普惠潜力的同时,将其可能产生的系统性风险降到最低。在监管过程中不断发现问题,在以解决问题为目的的整治过程中不断完善监管制度及配套措施,同时,既要保护网贷产品的消费者,也要保护互联网金融的经营者。更多还原

【Abstract】 P2P platform is the product of the development of Inclusive Finance.However,in the process of its development,it has gradually distorted and become a network platform for some criminals to illegally absorb public deposits.With the expansion of the scale and the increase of the number of P2 P platforms,due to the lack of internal risk control ability and the bad external operation condition,some platforms have broken the capital chain,resulting in the collapse,closure and running of the platforms.Finally,the point-to-point network lending mode has been withdrawn from the historical stage forever.The course from the blowout development of P2 P platform to recession has left a profound lesson and reflection for the online loan industry,and the rectification work of China’s online loan industry has a long way to go.On the one hand,to solve the stock risk of the online lending industry,we should make full use of the leading department to drive the public security organs to carry out the work of recovering stolen goods and losses,and crack down on the anti collection alliance and other veteran groups.At the same time,we should improve the credit reporting system,pacify the victims of the P2 P thunder platform,and pay attention to the work of maintaining stability.On the other hand,under the background of mixed operation,the supervision of online lending industry is still facing difficulties.The author believes that the long-term development mechanism of online loan industry should be built around the penetrating supervision,which can break through the shackles of traditional license supervision and solve the problem of difficult supervision of online loan industry to a certain extent.At present,the regulatory system and rectification of Internet Finance in China have embodied penetrating supervision,such as breaking the link between payment business and credit business,and bringing some online loan companies into the national anti money laundering system.In the next few years,we should first focus on the penetration of the pricing mechanism of online lending products,crack down on the "fake" innovation of online lending products,and strictly investigate the behavior of online lending platform that damages the rights and interests of consumers of financial products in the form of "yin yang contract";Secondly,we should control the flow propaganda of Internet financial companies to avoid excessive inducement,which makes consumers deviate from rationality and impulse consumption;Finally,supervision should balance financial innovation and risk prevention.When using penetrating supervision means,it should follow the principle of proportionality,including the principle of appropriateness,the principle of necessity and the principle of narrow sense proportionality.The online loan business has brought convenience to people’s life,which is the result of the development of Internet finance.The relevant departments should prudently use penetrating regulatory means to control the industry risk,so as to ensure that the industry can maximize the potential of inclusive,and at the same time,minimize the possible systemic risk.We should constantly find problems in the process of supervision,and constantly improve the supervision system and supporting measures in the process of solving problems.At the same time,we should protect both the consumers of online lending products and the operators of Internet finance.更多还原