论文部分内容阅读
发展普惠金融是党的十八届三中全会确定的深化金融改革的重要方向之一,而P2P网贷作为普惠金融体系的重要组成部分,是当前我国民间金融的重要内容,具有信息流动快、操作灵活、覆盖面广、门槛低、风险大等特点,发挥着银行等正规金融机构所不具备的为中小微企业和个人提供方便融资的特殊作用。现阶段我国P2P网贷存在法律规定不明、监管缺位、风险预防机制不健全,特别是征信制度极不完善等缺陷,致使P2P网贷的运行不规范,风险隐患层出不穷。因此,有必要借鉴美欧日等国的成熟做法,以完善个人信用信息数据库为根基,以实现与央行征信系统信息共享为核心,以构建多元化征信机构为手段,以健全信用评级制度为保障来推进我国P2P网贷征信制度的发展与完善。
The development of inclusive finance is one of the important directions for deepening financial reform set by the Third Plenary Session of the 18th CPC Central Committee. As an important part of inclusive financial system, P2P loaning is an important content of non-governmental finance in our country. It has the function of information flow Fast, flexible operation, wide coverage, low threshold and high risk. It plays a special role of providing convenient financing for small, medium and micro-sized enterprises and individuals not available in formal financial institutions such as banks. At this stage, the legal provisions of P2P network loan in our country are unclear, the supervision is absent, the risk prevention mechanism is not perfect, especially the defect of credit system is extremely imperfect. As a result, the operation of P2P network loan is not standardized and risks are exposed one after another. Therefore, it is necessary to learn from the mature practices of the United States, Europe and Japan and other countries to improve the personal credit information database as the foundation, with the central bank credit information system as the core, to build a diversified credit agencies as a means to improve the credit rating system To promote the development of China’s P2P network credit credit system development and improvement.