P2P网络借贷监管问题研究.pdf

摘要I摘要P2P网络借贷是依托于互联网技术形成的创新型金融组织形式,在中小微企业以及个人融资方面发挥着巨大作用,是传统金融业的有益补充。由于其交易方式灵活便捷、收益率高、透明度高等特点,受到了广大投资者的追捧,截止2014年底,整个P2P网络借贷行业已有超过1500家网络借贷平台,成交量超过2400亿元,比2013年增长2倍,更是2012年的20倍。然而,在P2P网络借贷快速发展的背后隐藏着一系列问题,由于门槛低,监管缺位,P2P网络借贷行业鱼龙混杂,资质良莠不齐,P2P网络借贷平台资金链断裂,跑路欺诈等事件频繁发生,各种风险正逐渐暴露出来。因此,在P2P网络借贷迅猛发展的同时,如何使其整个行业进入健康有序的轨道至关重要,这就需要政府对P2P网络借贷整个行业进行监管。针对上述问题,本文首先阐述P2P网络借贷的研究背景、研究现状以及相关涵义、特点,然后从行业规模不断扩大、经营模式多样化以及网贷平台问题攀升三个方面陈述P2P网络借贷在中国的发展现状,进而重点分析P2P网络借贷存在的风险,并通过调查问卷法对其进行统计分析,从而进一步了解借贷双方对P2P网络借贷风险以及监管必要性的认识与看法。通过上述研究分析,借鉴国外P2P网络借贷监管的相关经验,从监管原则、监管主体、监管细则以及外部环境四个方面,提出适合我国具体国情的监管建议。关键词 P2P网络借贷经营模式风险监管Abstract IIAbstract Peer-to-Peer (P2P) online Lending is innovative anization form which relying on technology. It plays an important role in the small and micro businesses and individuals financing, and is a useful supplement to the traditional financial system. On the one hand, because it is a way of flexible and convenient to trade, and it brings higher yields, the transaction has a high transparency, it sought by the majority of investors. By the end of 2014, the entire P2P lending industry has over work lending platform, turnover has more than 240 billion, is two times higher than in 2014,it is twenty times in , behind the rapid development of P2P lending, hidden a series of problems. Because of the low threshold and the absence of regulation, P2P online lending was mixed up ,mixed qualification, and then P2P online lending platform funding strand breaks, corporate runs away and so on, such incidents occur frequently. All kinds of risks are gradually exposed. Therefore, with the rapid development of P2P lending at the same time, how to make the entire industry into a healthy and orderly critical orbit, which is very important. This requires the government to regulate P2P lending view of the above issues, first of all this paper expounds the background, the related meanings, the characteristics and the classifications of P2P online lending, then state dev