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近年来p2p网贷行业展现出蓬勃的生机,但在繁荣的背后也存在着日益严重的问题:部分p2p网贷公司涉嫌诈骗、恶意跑路、提现困难、歇业停业等问题。这一系列问题的背后的原因归根到底是面对这一新事物,监管部门尚且缺乏高效且适当的监管措施。由于缺乏有效的监管,p2p网贷平台公司违规违法的门槛较低,损害金融秩序和投资者权益的事情层出不穷。建立一个完善的事中和事后监管制度可以兼顾效率和安全,极大的促进p2p金融业的安全与发展。
In recent years, p2p net loan industry has shown vigorous vitality, but behind the prosperity there are also increasingly serious problems: some p2p network lending companies suspected of fraud, malicious running, cash withdrawal difficulties, business suspension and other issues. The reasons behind this series of problems are the ultimate in the face of this new thing. Regulators also lack effective and appropriate regulatory measures. Due to the lack of effective supervision, the threshold for violation of laws and regulations is low, and things that damage the financial order and investors’ rights and interests emerge in an endless stream. Establishing a sound regulatory and post-regulatory system can balance efficiency and safety and greatly promote the safety and development of the p2p financial industry.