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论文编号：	8053
作者编号：	2120132837
上传时间：	2015/12/10 23:24:34
中文题目：	P2P网贷平台监管研究
英文题目：	The Research on regulation of the P2P network credit platform
指导老师：	赵海山
中文关键字：	P2P网贷平台；内部控制；监管
英文关键字：	P2P network platform; Internal control ;Regulation
中文摘要：	近年来，在互联网金融持续发展背景下，国内P2P网贷平台数量不断增加，行业规模不断扩大，为具有资金需求的相关企业或个人提供了融资支持。与此同时，国内越来越多P2P网贷平台相继出现跑路、提现困难等风险事件，使得如何加强P2P网贷平台的监管，促进行业的健康发展，已经成为政府相关监管部门亟需研究并加以解决的一个重要课题。 本文以我国P2P互联网借贷平台为研究对象，具体分析P2P网贷平台监管相关问题。研究发现，目前国内对P2P互联网借贷行业的监管仍处于起步阶段，多部门联合监管模式收到的成效并不明显。在监管过程中主要存在以下问题：一是P2P网贷平台的监管缺乏法律基础；二是监管职责划分不清；三是监管措施相对滞后；四是平台信息披露力度不够；五是缺乏统一的P2P网贷行业自律监管标准。通过对英美两国在P2P网贷平台监管方面的经验进行分析，本文提出了未来我国进一步提高P2P网络借贷平台监管效率的相关建议：第一，通过法律形式明确P2P定位；第二，尊重创新坚持适度监管原则；第三，明确各监管部门的职责划分；第四，重视风险预警完善监管措施；第五，规范信息披露保护消费者权益；第六，加强行业自律并建立统一标准。本文研究对我国提高对P2P网贷行业的监管水平具有一定参考意义。
英文摘要：	In recent years, under the background of the Internet financial sustainable development, the domestic P2P network platform loan amount increased, industry scale expands unceasingly, for the capital requirements of related businesses or individuals to provide financing support. At the same time, more and more domestic P2P network platform loan difficulties appeared to run road, withdrawal risk events, that how to strengthen the regulation of the P2P network credit platform, and promote the healthy development of the industry, has become a relevant government supervision department needs to be studied and solved an important issue. Based on the P2P lending to Internet platform in China as the research object, the concrete analysis of P2P network platform regulatory issues related to loan. The study found that the current domestic regulation of P2P lending to Internet industry is still in its infancy, multi-sectoral joint regulatory model received effect is not obvious. Mainly exist the following problems: in the process of regulation is a P2P network platform loan regulation of the lack of legal basis; Second, regulatory responsibilities division is not clear; 3 it is to regulatory measures relative lag; Four is the platform of information disclosure is not enough; Five is the lack of a unified P2P network credit industry self-discipline regulatory standards. By Britain and the United States in the P2P network platform loan regulatory experience carries on the analysis, this paper puts forward the future of our country to further improve the efficiency of the P2P lending platform regulation related Suggestions: first, through the legal form P2P clearly positioning; Second, respect the innovation insist on the principle of moderate regulation; Third, clarify the responsibilities of the regulatory division; Fourth, pay attention to risk early warning and improve the regulatory measures; Fifth, standardize information disclosure to protect consumers' rights and interests; Sixth, strengthen industry self-discipline and to establish a unified standard. In this paper, we study to our country improve the level of regulation of P2P network credit industry has a certain reference significance.
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