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P2P网贷作为互联网金融领域最为火爆的资金融通模式之一,高效灵活地解决了部分小微企业和个人贷款难问题,给资本市场注入了一池活水。但该领域的风险也日益凸显,各种高利贷、资金链断裂、非法集资以及卷钱跑路事件频频见诸于媒体。为促进资本市场的健康有序发展,应及时明确P2P网贷的法律地位和市场准入条件、制定切实可行的监管规则、明确与相关犯罪的界限以及完善电子书证制度。
As one of the most popular modes of financial intermediation in the field of Internet finance, peer-to-peer P2P loans have effectively and flexibly solved the problem of some small and micro enterprises and individuals in their loans and infused a pool of living water into the capital market. However, the risks in this area are also becoming increasingly prominent. Various types of loan sharking, the collapse of the capital chain, illegal fund-raising and the roll-over of roads are frequently seen in the media. In order to promote the healthy and orderly development of the capital market, the legal status and market access conditions of P2P online loans should be clarified in time to formulate practical regulatory rules, clarify the boundaries of related crimes and improve the system of electronic certificate of permits.