【摘要】：P2P網(wǎng)絡(luò)貸款英文名稱為“Peer-to-peer lending”,即點(diǎn)對(duì)點(diǎn)信貸,國(guó)內(nèi)又稱“人人貸”。P2P網(wǎng)絡(luò)貸款是指?jìng)�(gè)人或法人通過獨(dú)立的第三方網(wǎng)絡(luò)平臺(tái)相互借貸,即由P2P網(wǎng)貸平臺(tái)作為中介平臺(tái),借款人在平臺(tái)發(fā)放借款標(biāo),投資者進(jìn)行競(jìng)標(biāo)向借款人放款的行為。P2P網(wǎng)絡(luò)貸款平臺(tái)自從2007年被引入到我國(guó)以后異化產(chǎn)生了三種模式,并在2013年有了爆發(fā)式的發(fā)展,其無論是在平臺(tái)的數(shù)量上還是交易規(guī)模上都有了質(zhì)的飛躍。然而,就在P2P網(wǎng)絡(luò)貸款平臺(tái)的前途看似一片光明之際,關(guān)于平臺(tái)的跑路倒臺(tái)事件卻層出不窮,人們也開始從對(duì)其狂熱的追捧回歸到理性的對(duì)待,展開了對(duì)其是否需要監(jiān)管以及如何進(jìn)行監(jiān)管的討論。本文共有四部分組成:第一章主要對(duì)我國(guó)現(xiàn)有的三種P2P網(wǎng)絡(luò)貸款平臺(tái)的運(yùn)營(yíng)模式進(jìn)行介紹。為后文論述三種模式的共性風(fēng)險(xiǎn)和特有風(fēng)險(xiǎn)奠定基礎(chǔ)。第二章是文章提出問題部分,筆者闡述了我國(guó)現(xiàn)在P2P網(wǎng)絡(luò)貸款平臺(tái)的監(jiān)管現(xiàn)狀及困境。第三章是P2P網(wǎng)貸平臺(tái)的監(jiān)管必要性分析,有三個(gè)方面的內(nèi)容:一是P2P目前現(xiàn)有的三種運(yùn)營(yíng)模式存在的共性風(fēng)險(xiǎn)和特有風(fēng)險(xiǎn)。二是指出傳統(tǒng)金融的監(jiān)管方式不適用于P2P網(wǎng)貸平臺(tái)的發(fā)展并分析原因。三是在聯(lián)系普惠金融的背景,闡述針對(duì)P2P網(wǎng)貸平臺(tái)進(jìn)行監(jiān)管有助于普惠金融的建設(shè)。第四章是解決問題部分,筆者提出建設(shè)和完善P2P網(wǎng)貸平臺(tái)監(jiān)管體系的構(gòu)想。具體是從構(gòu)建和完善監(jiān)管的法律體系、完善多層次的監(jiān)管體系以及完善征信體系三個(gè)方面來談。
[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.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.282

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本文編號(hào)：2156229