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P2P网络信贷制度是P2P网络技术应用于金融业的产物,基于网络借贷平台发生的法律关系以及行为性质既需要运用现有法律制度进行归类、定性和梳理,也需要运用新思维透视现有金融法律制度所形成的体制弊端。P2P网络借贷平台不是传统的金融机构,也不是准金融机构,而是一种从事金融服务的类金融机构。而鉴于其跨界属性,建议由银监会主导,证监会辅助,央行等机构协调合作,实施合力监管。
P2P network credit system is the product of P2P network technology applied to the financial industry. The legal relationship and the nature of the behavior based on the network lending platform not only need to use the existing legal system to classify, characterize and sort, but also need to use new thinking to see the existing financial System defects formed by the legal system. P2P network lending platform is not a traditional financial institution, nor is it a quasi-financial institution, but a financial institution engaged in financial services. In view of their cross-border nature, it is proposed that the CBRC should guide the CSRC, the CSRC, the Central Bank and other agencies to coordinate and cooperate in the implementation of co-regulation.