信息披露，是P2P网贷行业“一个办法、三项指引”中的重要组成部分。由互金整治办下发的[2018]175号文，亦提及信息披露的重要地位：对于正常运营机构，提出督促机构开展集中信息披露，强化对网贷机构的社会监督；无论是正常运营机构还是在营规模较小机构、高风险机构，都需要定期向网安中心数据报送管理系统填报数据。175号文还释放了一个信号：P2P网贷平台的持续经营，不仅依赖于合规本身，还取决于平台是否具有控制风险的能力。去年爆发的行业雷潮中，有不少合规平台既没有自融，也没有涉及诈骗、资金池等违法情形，但最终仍走上了清盘、关停的道路，究其原因，有不少是在风控方面功亏一篑。因此，本文将对风险控制相关的代表...
Information disclosure is an important part of the "one way, three guidelines" of the P2P online lending industry. Document [2018] 175 issued by the Mutual Fund Regulation Office also mentions the important position of information disclosure: for normal operating institutions, it is proposed to urge them to carry out centralized information disclosure and strengthen social supervision of credit institutions; both normal operating institutions and small-scale and high-risk institutions need to regularly submit data to the data reporting management system of the Network Security Center. Document 175 also sends a signal that the continued operation of P2P online lending platform depends not only on compliance itself, but also on whether the platform has the ability to control risks. In last year's industrial thunderstorm, many compliance platforms neither self-financing, nor involving fraud, fund pools and other illegal situations, but eventually still embarked on the road of liquidation and closure, the reason for which is that many of them have lost a lot in wind control. Therefore, this paper will focus on the representative of risk control.
