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随着科技信息时代的来临,互联网金融应运而生并逐渐渗透到了生产生活中的众多领域,为我们带来诸多便利。然而任何事物都具有两面性,P2P网贷平台数量的井喷式增长所带来的负面效应就是平台侵占客户资金甚至跑路现象频发。为此,国家自2015年起先后出台了《关于促进互联网金融健康发展的指导意见》、《网络借贷信息中介机构业务活动管理暂行办法》和《网络借贷资金存管业务指引》加以规制。本文通过对P2P网贷平台和第三方存管制度含义的介绍,引出了《网络借贷资金存管业务指引》的要点以及存在的问题,最后提出了促使第三方存管制度更加完善的建议。
With the advent of the era of scientific and technological information, Internet finance came into being and gradually permeated many fields of production and life, bringing us many conveniences. However, everything has a dual nature. The negative effect brought by the blowout growth of the number of peer-to-peer P2P loan platforms is that the platform encroaches on customers’ funds and runs frequently. To this end, the state has enacted the “Guiding Opinions on Promoting the Sound Development of Internet Finance”, the “Interim Measures for the Administration of Business Activities of Internet Loans and Information Intermediaries” and the “Guide for the Depository of Online Lending and Capital Funding” successively since 2015. This article introduces the main points and existing problems of the Guidelines for Depository and Lending of Online Loans Fund through the introduction of the meaning of P2P online loan platform and third-party depository system. Finally, I put forward some suggestions to make the third-party depository and management system more perfect.