A tiered licensing system, for example, would work best to address the varying degrees of financial complexity and risk among platforms. Under this scenario, platforms that function as information intermediaries between borrowers and lenders, but are not directly involved in loan transactions, would be free from virtually all formal regulation and supervision, as they generate the least amount of risk.
比如，分级许可系统能够最好地解决贷款平台金融复杂度和风险多样化的问题。在这一情形中，作为借款人和贷款人之间的信息中介，而不直接参与贷款交易的平台应该免于几乎一切正式监管和监督，因为它们所产生的风险很小。