作　者：胡滨 范云朋
关键词：互联网联合贷款；平台经济；数据监管
摘　要：

 作为金融科技时代的新型金融业务模式，互联网联合贷款在近年来获得了迅猛发展，也引发了一系列的问题和争议。互联网联合贷款的实质是传统银行与互联网平台合作以实现信用资本化收益的一种途径，其风险并不在于互联网平台对于金融业务的深度介入，而是源于新型金融业务自身的特性及其与当前监管模式的错配，即难以找到对于互联网平台进行有效监管的抓手。因此，在基于宏观审慎视角加强互联网联合贷款业务合理性与风险控制机制监管的同时，还需着眼未来，构建基于资金与数据双要素的监管体系，为新时期金融改革与发展创造良好的空间。

. 

Internet Joint Loan: Theoretical Logic, Problem Analysis And Regulation Suggestions 


Hu Bin,Fan Yunpeng(Chinese Academy of Social Sciences) 


 

Abstract As a new financial business pattern in the era of FinTech, Internet joint loans have developed 
rapidly in recent years and have also caused a series of problems and disputes. Internet joint loans is a way for traditional banks to cooperate with Internet platforms to realize the benefits of credit capitalization. The risk of Internet joint loans does not exist in the in-depth involvement of the Internet platform in financial business, but in the characteristics of the new financial business itself and its mismatch with the current regulatory sys‐ tem, that is, it is difficult to find a handler for effective regulation of the Internet platform. Therefore, while strengthening the rationality and risk control mechanism of the Internet joint loan based on the macro-pruden‐ tial perspective, it is also necessary to build a regulatory system based on the dual elements of capital and da‐ ta to create a good space for financial reform and development in the New Era.

Keywords Internetjointloan;platformeconomy;dataregulation

 

■ 作者简介 胡滨，法学博士，中国社会科学院金融研究所研究员、党委书记兼副所长；北京 100710；

范云朋，中国社会科学院金融研究所博士研究生。

[PDF]（下载数：）