网络借贷行业资金第三方存管制度研究

发布时间：2018-03-04 05:02

本文选题：网贷平台　切入点：资金第三方存管　出处：《上海金融》2017年03期 　论文类型：期刊论文

【摘要】：依托于互联网技术,网络借贷行业凭借其便捷、高效的特点近年来呈现井喷式增长。由于监管真空、制度约束缺乏,企业跑路、非法集资等问题频频爆出。2015年7月,十部委《关于促进互联网金融健康发展的指导意见》出台,首次明确了网络借贷应选择符合条件的银行业金融机构作为资金存管机构。出于声誉风险及成本收益的考虑,银行合作意愿不强,存管制度落地进展缓慢。本研究调研了多家代表性网贷平台,分析其业务运作及资金第三方存管模式,建立了监管部门、存管机构(商业银行)和网贷平台三方博弈模型,从纳什均衡的角度探讨该行业未来发展。理论研究表明,提高网贷平台的造假成本和平台违规行为的罚款是使市场达到良性发展的有效途径。
[Abstract]:Relying on Internet technology, the online lending industry has boomed in recent years with its convenient and efficient characteristics. Due to a regulatory vacuum, a lack of institutional constraints, enterprises running the road, illegal fund-raising and other problems frequently popped up in July 2015. Ten ministries and commissions issued guidelines on promoting the healthy Development of Internet Finance, which for the first time made it clear that qualified banking financial institutions should be selected as financial depository institutions for online lending. The cooperation will of banks is not strong, and the deposit and management system is making slow progress. This study has investigated several representative internet loan platforms, analyzed their business operation and the mode of third party deposit and management of funds, and established the supervision department. This paper discusses the future development of the industry from the perspective of Nash equilibrium by using the three-party game model of depository management institution (commercial bank) and network loan platform. It is an effective way to make the market develop healthily by increasing the cost of counterfeiting and the penalty of illegal behavior.
【作者单位】：中国人民银行营业管理部;
【分类号】：F724.6;F832.4

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