| P2P网络借贷平台征信需求与管理研究 |
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| 引用本文： | 倪海鹭.P2P网络借贷平台征信需求与管理研究[J].河南金融管理干部学院学报,2014(5):46-49. |
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| 作者姓名： | 倪海鹭 |
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| 作者单位： | 中国人民银行南京分行,江苏南京210004 |
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| 摘 要： | 分析P2P平台运营模式及现状,探讨将P2P平台纳入征信管理体系的必要性.针对目前法律法规不完善、监管机制不明确等问题,从完善法律框架、设计接入模式、出台制度规范和制定配套措施等方面提出将P2P平台纳入人民银行征信管理体系的对策建议.
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| 关 键 词： | 网络信贷平台 征信系统 征信管理体系 |
Credit Reference Demand and Management Based on P2P Network Lending Platform |
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| NI Hailu.Credit Reference Demand and Management Based on P2P Network Lending Platform[J].Journal of Henan College of Financial Management Cadres,2014(5):46-49. |
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| Authors: | NI Hailu |
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| Institution: | NI Hailu (Nanjing Branch of the People＇s Bank of China, Nanjing , Jiangsu 210004, China ) |
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| Abstract: | An analysis is made on the operation mode and status of P2P platform, probing into the necessity of in-corporating the P2P platform to credit management system. For the current problems, such as incomplete laws andregulations, unclear regulatory mechanisms, etc. , the paper presents policy suggestions for introducing P2P plat-form to the PBC credit management system from the aspects such as improving the legal framework, designing accessmodel, establiing institutional norms, and formalizing complementary measures. |
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| Keywords: | P2P networks credit lending platform credit reference system credit management system |
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