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随着国内外经济金融形势日趋复杂和货币信贷政策回归稳健,网络借贷也开始悄然衍生出一些新问题,但由于缺乏有效监管和法律空白,网络借贷潜存的风险不断积聚。本文试图从网络借贷发展现状及运营模式入手,进行比较分析,并与新的经济金融形势相结合,归纳出网络借贷衍生出的新情况。通过对网络借贷监管真空和法律空白亟待填补的必要性进行系统分析,就如何建立网络借贷的法律法规体系和强化相关监管措施进行深入思考,引导和规范网络借贷健康发展。
With the increasingly complicated economic and financial situations both at home and abroad and the steady return of monetary and credit policies, some new problems have been quietly derived from online lending. However, due to the lack of effective regulatory and legal gaps, the potential risks of online lending continue to accumulate. This article attempts to start from the status of network lending development and operation mode, comparative analysis, and with the new economic and financial situation, summed up the new situation derived from the network of lending. By systematically analyzing the necessity of filling vacancies in legal supervision and the legal gaps in online lending, the Bank also made in-depth consideration on how to establish laws and regulations on online lending and strengthen relevant regulatory measures to guide and standardize the healthy development of online lending.