Overall, however, a thicket of regulations is unnecessary and should be avoided, as the systemic risks that P2P lending poses to the wider economy are small. Instead, regulators should adopt a flexible approach.
但是总体而言，过度监管没有必要，而应该避免的，因为P2P贷款给总体经济带来的系统性风险很小。相反，监管者应该采取灵活的方针。