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中国的P2P网络借贷行业在快速发展的同时,也暴露出不少问题,亟待加强监管。根据目前的金融监管分工体制,P2P网络借贷将以地方属地化管理为主,因此本文总结了中国P2P网络借贷平台的地区特征,特别是风险特征和现有监管手段的有效性。我们发现P2P平台主要集中在少数几个省份,但不管P2P平台注册在哪个省份,均可以便捷地开展跨区域经营。不同地区的P2P平台注册资本金、股东数量等均存在较大的差异,出现问题的比例也不同。不同地区的P2P平台的名分不同,而且目前各地政府对P2P等互联网金融业务呈现“冰火两重天”的态度。在此基础上,我们提出了一些针对性的政策建议。
While China’s P2P online lending industry is developing rapidly, it has also exposed many problems that urgently need to be strengthened. According to the current system of financial regulatory division, P2P online lending will be dominated by local geo-management. Therefore, this paper summarizes the regional characteristics of P2P lending platform in China, especially the risk characteristics and the effectiveness of the existing regulatory measures. We found that the P2P platform is mainly concentrated in a few provinces, but regardless of the province where the P2P platform is registered, cross-regional operations can be conveniently conducted. P2P platforms in different regions registered capital, the number of shareholders there is a big difference, the proportion of problems are different. P2P platforms in different regions have different points of distinction, and at present, governments all over the world present an attitude of “extricating oneself from each other” in the Internet financial services such as P2P. On this basis, we made some targeted policy recommendations.