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2016年5月10日,美国财政部发布了《网络借贷行业的机遇与挑战》白皮书。本文对该白皮书的主要内容和观点进行了编译整理,以期望为我国网贷行业规范发展提供借鉴。2016年5月10日,美国财政部发布了《网络借贷行业的机遇与挑战》白皮书,对目前发展迅速且监管缺失的网络借贷行业重新进行了审视。中美网络借贷行业的发展有共性,也有各自的特点,并且几乎同时都走到了历史的拐点。本文对美国财政部网贷行业白皮书的主要内容和观点进行了编译整理,以期望为我国网贷行业规范发展提供借鉴。
On May 10, 2016, the U.S. Department of the Treasury issued a white paper entitled “Opportunities and Challenges in the Internet Lending Industry.” This paper compiles and summarizes the main contents and views of the white paper in order to provide reference for the standard development of China’s net loan industry. On May 10, 2016, the U.S. Department of the Treasury issued a white paper entitled “Opportunities and Challenges in the Internet Lending Industry”, re-examining the current rapid and lack of regulation in the online lending industry. The development of the Sino-US online lending industry has its own common characteristics and its own unique characteristics, all of which have reached the turning point of history almost at the same time. This paper compiled and arranged the main contents and opinions of the white paper of the U.S. Treasury Department’s net loan industry in order to provide reference for the standard development of China’s net loan industry.