在网贷行业井喷发展的同时,P2P行业风险事件云集。在监管约束和制度保障下,商业银行与P2P的合作有望助推P2P行业重新洗牌、去糟留精,从“野蛮生长”逐步向健康有序的良性业态过渡,并通过资源整合、优势互补共同分享行业的成长。近年来,P2P行业井喷式增长,但作为一个缺乏行业标准和规范的新兴行业,风险事件云集,已经对社会金融稳定和公众财产安全构成隐患。在此背景下,监管机构陆续出台了《网络借贷信息中介机构业务活动管理暂行办法》(以下简称“监管新规”或《暂行办法》)等系列监管政策,基本构成了较为完善的网络借贷信息中介机构的风险评估标准和行业治理机制。 In the net loan industry blowout development at the same time, P2P industry risk events gathered. Under the regulatory constraints and institutional guarantees, the cooperation between commercial banks and P2P is expected to help the P2P industry to reshuffle the cards and to make the transition from a “barbaric growth” to a healthy and orderly healthy status. Through resource integration, Complementary advantages to share the growth of the industry. In recent years, the P2P industry has seen a spurt of growth. However, as a newly emerging industry that lacks industry standards and norms, the gathering of risk events has posed a hidden danger to social financial stability and public property safety. In this context, the regulatory agencies successively issued a series of regulatory policies such as Interim Measures for the Administration of Business Activities of Internet Loans and Information Intermediaries (hereinafter referred to as the “Regulations on Regulating New Regulations” or “Interim Measures”) and basically formed a relatively complete network Loan information intermediary risk assessment standards and industry governance mechanisms.