【摘要】 网络信贷作为一种金融创新,在我国有着巨大的市场空间和发展潜力。由于相关法律、法规尚未出台,也没有具体的行政部门加以监管,在我国从事网络信贷活动,存在一定的风险。当下,政府对网络信贷行业进行监管的必要性已获各界共识,但具体到如何监管,至今未有定论。在现代市场经济环境下,行政监管的根本目的是控制风险,而非限制创新,因此,网络信贷行业监管策略的制定需要在分清风险类型、明确监管目的、划定监管范围的基础上进行。更多还原

【Abstract】 As a kind of financial innovation,network credit,has great market space and development potential in our country.At present,since no relevant law or regulation is available in our country,there isn’t a specific administrative department responsible for the regulation either.Risk can’t be avoided in the network credit market.Now,the necessity of building and strengthening government regulation in the network credit field has been a common view shared by all the fields of society.But turn to the regulatory strategy,a final conlusion hasn’t been reached.In the market economy environment,the essence of administrative supervision is risk-control,rather than impose restriction on innovation.Therefore,regulatory strategy should be determined on the basis of risk classification,explicit regulatory purpose,and a limited regulatory scope.更多还原