我国P2P网络贷款平台监管问题研究
发布时间：2018-07-31 16:58
【摘要】：P2P网络贷款英文名称为“Peer-to-peer lending”,即点对点信贷,国内又称“人人贷”。P2P网络贷款是指个人或法人通过独立的第三方网络平台相互借贷,即由P2P网贷平台作为中介平台,借款人在平台发放借款标,投资者进行竞标向借款人放款的行为。P2P网络贷款平台自从2007年被引入到我国以后异化产生了三种模式,并在2013年有了爆发式的发展,其无论是在平台的数量上还是交易规模上都有了质的飞跃。然而,就在P2P网络贷款平台的前途看似一片光明之际,关于平台的跑路倒台事件却层出不穷,人们也开始从对其狂热的追捧回归到理性的对待,展开了对其是否需要监管以及如何进行监管的讨论。本文共有四部分组成:第一章主要对我国现有的三种P2P网络贷款平台的运营模式进行介绍。为后文论述三种模式的共性风险和特有风险奠定基础。第二章是文章提出问题部分,笔者阐述了我国现在P2P网络贷款平台的监管现状及困境。第三章是P2P网贷平台的监管必要性分析,有三个方面的内容:一是P2P目前现有的三种运营模式存在的共性风险和特有风险。二是指出传统金融的监管方式不适用于P2P网贷平台的发展并分析原因。三是在联系普惠金融的背景,阐述针对P2P网贷平台进行监管有助于普惠金融的建设。第四章是解决问题部分,笔者提出建设和完善P2P网贷平台监管体系的构想。具体是从构建和完善监管的法律体系、完善多层次的监管体系以及完善征信体系三个方面来谈。
[Abstract]:P2P network loan is called "Peer-to-peer lending" in English, that is, point-to-point credit. P2P network loan refers to individuals or legal persons lending to each other through independent third party network platform, that is, P2P network loan platform is used as intermediary platform. The behavior of investors bidding and lending to borrowers in the platform. Since the introduction of P2P network loan platform into China in 2007, there have been three models of alienation, and in 2013, there has been a explosive development. Whether in the number of platforms or on the scale of transactions have a qualitative leap. However, at a time when the future of P2P network loan platform seems to be bright, there are endless events about the platform running down, and people are beginning to return from fanaticism to rational treatment. There is a discussion on whether and how to regulate it. There are four parts in this paper: the first chapter mainly introduces three kinds of P2P network loan platform in China. It lays a foundation for the discussion of the common risks and unique risks in the following three models. The second chapter is the question part of the article, the author elaborated our country P2P network loan platform supervision present situation and the predicament. The third chapter is the analysis of the necessity of P2P network loan platform supervision, there are three aspects of the content: the first is the common risk and unique risk of the three existing P2P operating modes. Second, it points out that the traditional financial supervision method is not suitable for the development of P2P network loan platform and analyzes the reasons. Thirdly, in connection with the background of inclusive finance, this paper expounds that the supervision of P2P network loan platform is helpful to the construction of inclusive finance. The fourth chapter is to solve the problem, the author proposes to build and improve the P2P network loan platform supervision system. It is discussed from three aspects: constructing and perfecting the legal system of supervision, perfecting the multi-level supervision system and perfecting the credit system.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.282
本文编号：2156229
[Abstract]:P2P network loan is called "Peer-to-peer lending" in English, that is, point-to-point credit. P2P network loan refers to individuals or legal persons lending to each other through independent third party network platform, that is, P2P network loan platform is used as intermediary platform. The behavior of investors bidding and lending to borrowers in the platform. Since the introduction of P2P network loan platform into China in 2007, there have been three models of alienation, and in 2013, there has been a explosive development. Whether in the number of platforms or on the scale of transactions have a qualitative leap. However, at a time when the future of P2P network loan platform seems to be bright, there are endless events about the platform running down, and people are beginning to return from fanaticism to rational treatment. There is a discussion on whether and how to regulate it. There are four parts in this paper: the first chapter mainly introduces three kinds of P2P network loan platform in China. It lays a foundation for the discussion of the common risks and unique risks in the following three models. The second chapter is the question part of the article, the author elaborated our country P2P network loan platform supervision present situation and the predicament. The third chapter is the analysis of the necessity of P2P network loan platform supervision, there are three aspects of the content: the first is the common risk and unique risk of the three existing P2P operating modes. Second, it points out that the traditional financial supervision method is not suitable for the development of P2P network loan platform and analyzes the reasons. Thirdly, in connection with the background of inclusive finance, this paper expounds that the supervision of P2P network loan platform is helpful to the construction of inclusive finance. The fourth chapter is to solve the problem, the author proposes to build and improve the P2P network loan platform supervision system. It is discussed from three aspects: constructing and perfecting the legal system of supervision, perfecting the multi-level supervision system and perfecting the credit system.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.282
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