商业研究

商业研究

• 商经理论 • 上一篇    下一篇

P2P网贷市场准入模式之生成与嬗变 ——从备案制到清单制的转化研究

唐士亚   

  1. （上海交通大学 凯原法学院，上海 200030）
  • 收稿日期:2019-01-08 出版日期:2019-08-22
  • 作者简介:唐士亚（1990-），男，福州人，上海交通大学凯原法学院博士研究生，研究方向：金融法、信息法。
  • 基金资助:
    国家社科基金项目“我国互联网金融市场准入与监管法制重大理论与实践问题研究”，项目编号：16BFX098；上海交通大学2019年度优秀博士生海外访学计划项目资助。

The Generation and Evolution of P2P Lending Market Access Mode： A Study of the Transformation from Filing System to List System

TANG Shi-ya   

  1. （Koguan Law School,Shanghai Jiao Tong University, Shanghai 200030,China）
  • Received:2019-01-08 Online:2019-08-22

摘要： 我国地方金融监管部门实施的P2P网贷备案登记制，其法律性质实际上是行政许可的一种形式，即P2P网贷市场准入“行政许可式备案登记”。这种变异源于地方金融监管部门规避《行政许可法》对许可事项设定权的严格限制，以及地方金融监管部门利益的法制化倾向。异化的P2P网贷市场准入模式体现了膨胀的互联网金融监管权力与控权服务的法治国家理念的激烈冲突，提高了信息获取成本，并对互联网金融的可持续发展造成实质性影响。为释放互联网金融市场活力并提高监管透明度，P2P网贷市场准入模式应转向以信息功能为导向的市场准入清单制，构建市场准入负面清单和监管权力清单，从而增强市场开放的透明度并提高信息绩效，简化投资程序并明确金融监管的权力边界，实现P2P网贷市场准入的法治化。

关键词: P2P网络借贷, 市场准入, 备案制, 负面清单, 权力清单

Abstract: The legal nature of the registration system of P2P online loans implemented by local financial supervision departments in China is actually a form of administrative licensing, that is, the registration of administrative licensing online loans market access.This variation originates from the tendency of local financial regulatory authorities to circumvent the strict restrictions on the right to set licensing items in the Administrative Licensing Law and to legalize the interests of local financial regulatory authorities.The alienated market access mode of P2P Internet lending reflects the fierce conflict between the expanding power of Internet financial supervision and the concept of a country governed by law, which raises the cost of information acquisition and has a substantial impact on the sustainable development of Internet finance.In order to release the vitality of Internet financial market and improve the transparency of supervision, the market access mode of P2P Internet lending should turn to the list system of market access oriented by information function, construct the negative list of market access and the list of supervisory powers, so as to enhance the transparency of market opening, improve information performance, simplify investment procedures and clarify finance supervise power boundary,realizing the legalization of market access for P2P online credit.

Key words: P2P lending, market access, filing system, negative list, power list