网络借贷生态环境的缺陷及其治理研究

岳  崴

网络借贷生态环境的缺陷及其治理研究

引用本文：岳崴.网络借贷生态环境的缺陷及其治理研究[J].财经理论与实践,2020,(4):2-8

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作者	单位
岳崴	（湖南大学金融与统计学院，湖南长沙 410006）

中文摘要:网络借贷作为金融与科技融合的数字金融业态，市场需求旺盛，未来必然会长期作用于民间金融。网络借贷在发展中存在着诸多问题，是源于网络借贷生态环境的缺陷。网络借贷需要在规范经营中探索业务模式和监管方式的创新，加强监管协调，引入“监管沙盒”机制。因此，需要加强大数据、云计算、人工智能在网络借贷中的应用，并完善社会征信体系和法制体系，改善社会信用环境，完善行业自律机制，建立良好的网络借贷生态环境，以促进网络借贷健康可持续发展。

中文关键词:网络借贷金融科技生态网贷生态缺陷网贷生态治理

The Flaw of Online Lending Ecosystem and its Governance

Abstract:Online lending is a model of digital finance that combines finance and technology. Online lending will be a long-standing model of informal finance due to its huge demand. Many issues have emerged in the development of online lending, which stems from the flaw of online lending ecosystem. Therefore, it is necessary to explore innovative business model and a regulatory approach, and introduce regulatory sandbox. It is also necessary to strengthen the application of big data, cloud computating and artificial intelligence in online lending. To ensure the sustainable development of online lending, it is essential to improve social credit and legal system, the industry self-discipline mechanism and online lending ecosystem.

keywords:online lending FinTech ecosystem flaw of online lending ecosystem online lending ecosystem governance

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