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2014年以来,多家知名P2P借贷平台身陷逾期风波,各平台处理坏账的不同态度引起了市场热议。本文在分析P2P借贷平台不对逾期坏账进行垫付的合理性的同时,反观了在当前中国金融体系和投资环境下,P2P借贷平台设置一定垫付机制的现实必要性。通过假设一种“完全信息”的极端情况,本文指出了未来行业监管的实施条件和落脚点。
Since 2014, a number of well-known P2P lending platforms have been caught in overdue situations. The different attitudes of the various platforms in handling bad loans have caused heated market calls. This article analyzes the rationality that P2P lending platform does not advance overdue bad debts and at the same time shows the practical necessity of setting a certain advance mechanism for P2P lending platform under the current financial system and investment environment in China. By assuming an extreme case of “complete information ”, this paper points out the conditions and the foothold of the future industry regulation.