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“去担保化”充分虑及P2P市场的风险控制,通过弱化平台的信用功能,排除超额担保以及兑付压力集聚所诱致的系统性风险,从而能够有效促使P2P回归“责任自负,风险自担”的信息中介平台。但是,“去担保化”的要义在于信用信息的共享,而在我国征信体系不健全的背景下,通过大数据分析开展P2P业务显然尚不具备基本的技术框架。因此,应当以P2P信贷的风险缓释为核心,建立强调消费者保护、监管职能清晰的制度体系,辅以P2P信贷的行业自律措施,逐步探索P2P“去担保化”的治理之道,回应P2P监管理念的逻辑转换。
“To guarantee ” fully consider the risk control in the P2P market, by weakening the credit function of the platform to exclude over-guarantee and the systematic risk caused by the redemption of pressure accumulation, which can effectively promote P2P regression Tam “ information intermediary platform. However, the implication of ”de-guaranteeing “ lies in the sharing of credit information. However, under the background of imperfect credit reporting system in our country, it is obvious that P2P business through big data analysis does not yet possess the basic technical framework. Therefore, we should focus on risk mitigation of P2P credit, set up a system of systems emphasizing consumer protection and supervisory functions, and supplement industry-specific measures of P2P credit to gradually explore the governance of P2P ”to guarantee" Respond to the logic of P2P regulatory concept.