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2012~2019年我国风险处置背景下的P2P转型助贷研究

作者:车宁 出版日期:2020年08月 报告页数:19 页 报告大小: 报告字数:16715 字 所属丛书:金融监管蓝皮书 所属图书:中国金融监管报告(2020) 浏览人数: 下载人数:

文章摘要:P2P行业正在经历深度盘整,大部分P2P平台或退出或转型,而这种转型具有浓厚的风险处置色彩。在各种转型方式中,转型助贷成本低、见效快,也能使令P2P企业头疼的资金端波动问题在与金融机构的合作下得到缓解,能更好地服务实体经济、助力普惠金融,为P2P平台重获发展前景、保持经营可持续提供机遇。对于P2P平台而言,想要抓住这一机遇存在不小的难度。P2P转型助贷需要平台与监管双重发力,平台需要妥善消化存量,注重科技赋能提升获客和风控能力,守住合规经营底线。监管需... 展开

文章摘要:P2P行业正在经历深度盘整,大部分P2P平台或退出或转型,而这种转型具有浓厚的风险处置色彩。在各种转型方式中,转型助贷成本低、见效快,也能使令P2P企业头疼的资金端波动问题在与金融机构的合作下得到缓解,能更好地服务实体经济、助力普惠金融,为P2P平台重获发展前景、保持经营可持续提供机遇。对于P2P平台而言,想要抓住这一机遇存在不小的难度。P2P转型助贷需要平台与监管双重发力,平台需要妥善消化存量,注重科技赋能提升获客和风控能力,守住合规经营底线。监管需要积极帮助引导平台,针对转型平台进一步出台更加细致、更具有针对性的指导意见,提供政策支持;对于转型失败的企业需要帮助引导退出,保障金融稳定;明确助贷法律地位,建立有效监管机制,为转型创造利好的外部环境。

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Abstract:P2P network lending industry is undergoing in-depth consolidation. Most P2P platforms are either exiting or transforming,and this transformation has a strong color of risk management. Among all kinds of transformation methods,the low cost and quick effect of transformation and loan assistance can alleviate the capital fluctuation problem that P2P enterprises have a headache about,which is more in line with the trend of serving the ... 展开

Abstract:P2P network lending industry is undergoing in-depth consolidation. Most P2P platforms are either exiting or transforming,and this transformation has a strong color of risk management. Among all kinds of transformation methods,the low cost and quick effect of transformation and loan assistance can alleviate the capital fluctuation problem that P2P enterprises have a headache about,which is more in line with the trend of serving the real economy and helping Inclusive Finance,and provide opportunities for P2P platform to regain the development prospect and maintain the business sustainability. For P2P platform,there are many difficulties to seize this opportunity. P2P transformation loan assistance needs the dual efforts of the platform and supervision. The platform needs to properly digest the stock,pay attention to technology enabling to improve customer acquisition and risk control capabilities,and keep the bottom line of compliant operation. Regulatory needs to actively help guide,further issue more detailed and targeted guidance for the transformation,and provide policy support;for enterprises that fail in the transformation,they need to guide their exit to ensure financial stability;clarify the legal status of loan assistance,establish an effective regulatory mechanism,and create a favorable external environment for the transformation.

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作者简介

车宁:车宁,高级经济师,北京市网络法学研究会副秘书长,主要研究方向为金融科技监管、数据法学。