【摘要】：P2P網(wǎng)絡(luò)借貸在我國的飛速發(fā)展,既是機(jī)遇也是挑戰(zhàn)。關(guān)于P2P網(wǎng)絡(luò)借貸的風(fēng)險(xiǎn)監(jiān)管和長效機(jī)制建設(shè)成為研究熱點(diǎn)。本文詳細(xì)闡述了英、美、德、法和中國這5個(gè)國家P2P網(wǎng)貸市場的發(fā)展特征和監(jiān)管特色,并深入分析了我國P2P網(wǎng)貸市場的亂象根源和監(jiān)管差距。最后,在借鑒英、美、德、法四國經(jīng)驗(yàn)的基礎(chǔ)上,針對(duì)我國P2P網(wǎng)貸市場的長效機(jī)制建設(shè)提出政策建議,希望能夠?yàn)槲覈鳳2P網(wǎng)絡(luò)借貸的長效發(fā)展提供新思路。
[Abstract]:The rapid development of P2P network lending in China is both an opportunity and a challenge. The risk supervision and long-term mechanism construction of P2P network loan has become a hot research topic. This paper expounds in detail the characteristics of the development and supervision of P2P loan market in five countries, namely, Britain, America, Germany, France and China, and analyzes deeply the causes of confusion and the gap between supervision and control in China's P2P lending market. Finally, based on the experience of Britain, America, Germany and France, this paper puts forward some policy suggestions on the long-term mechanism construction of P2P network loan market in China, hoping to provide a new way of thinking for the long-term development of P2P network lending in China.
【作者單位】： 上海社會(huì)科學(xué)院應(yīng)用經(jīng)濟(jì)研究所;
【分類號(hào)】：F724.6;F832.4

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