4. 網(wǎng)絡(luò)借貸
P2P lending

請看例句：

China's banking watchdog and three other ministries jointly issued a set of regulations Wednesday, aiming to tighten supervision of the country's booming peer-to-peer (P2P) lending industry.
中國銀監(jiān)會(huì)等四部委24日聯(lián)合發(fā)布了系列管理?xiàng)l例，旨在加強(qiáng)對我國迅猛發(fā)展的網(wǎng)絡(luò)借貸行業(yè)的監(jiān)管。

新規(guī)界定了網(wǎng)絡(luò)借款的內(nèi)涵，強(qiáng)調(diào)網(wǎng)貸機(jī)構(gòu)作為金融信息服務(wù)中介的定位(emphasize the role of P2P lending companies as financial information service intermediaries)，確立了網(wǎng)貸監(jiān)管由銀監(jiān)會(huì)(China Banking Regulatory Commission, CBRC)及其派出機(jī)構(gòu)和地方金融監(jiān)管部門雙負(fù)責(zé)的監(jiān)管體制，并以負(fù)面清單形式劃定網(wǎng)貸業(yè)務(wù)邊界(provide a negative list to draw the business boundaries of P2P lending companies)，明確網(wǎng)貸平臺(tái)不能從事的十三項(xiàng)禁止性行為(impose 13 restrictions on P2P platforms)。

新規(guī)禁止網(wǎng)貸平臺(tái)設(shè)立資金池(cash pool)、吸收公眾存款(absorb public savings)或?yàn)榻杩钊颂峁┤魏涡问降膿?dān)保(provide any form of guarantee for borrowers)。根據(jù)新規(guī)，個(gè)人借款人在單個(gè)網(wǎng)貸平臺(tái)的借款上限為20萬元，在不同平臺(tái)的借款上限為100萬元。新規(guī)還要求網(wǎng)貸平臺(tái)通過合格的銀行業(yè)機(jī)構(gòu)(qualified banking institutions)存儲(chǔ)、管理客戶資金并準(zhǔn)確、及時(shí)地披露借款人、融資項(xiàng)目和平臺(tái)運(yùn)營的相關(guān)信息(disclose information on the borrowers, financing projects and platform operation accurately on a timely basis)，以更好地保障客戶的資金安全(better ensure the clients' money safety)。

分析人士認(rèn)為，此舉有助于保證網(wǎng)貸行業(yè)的健康發(fā)展(ensure the healthy development of the P2P lending industry)，防范金融風(fēng)險(xiǎn)(prevent financial risks)，保護(hù)投資者合法權(quán)益(protect investors' legitimate interests)。

[相關(guān)詞匯]

投資詐騙 investment fraud

互聯(lián)網(wǎng)金融 e-finance

民間借貸 private lending

高利貸 usury

地下錢莊 underground/illegal banks