网络p2p借贷行业发展与监管模式分析——以人人贷为例

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1、-------及缺少政府监管的现状，从法律、政府监管，行业自律，信息披露、征信体系、网络借贷文化的培养等十个方面对中国P2P网络借贷提出政府监管对策。本文的讨论，即使没有切中问题的肯綮，至少是一种值得的尝试。关键词：人人贷，监管模式，P2P网络借贷，互联网金融II-----------AbstractTheprogressofscienceandtechnologyandthepopularizationanddevelopment ofInternetbusiness,changedturntheworldupsidedownchangestopeople'slife

2、,the wholeworldisimmersedintheconveniencebroughtbytheInternet,peoplehave moreandmorestrongdependenceontheInternet,allkindsofrequirementsrelatedto theInternetemerge,onlinefinanceisthattheInternetsocial,Internetshopping,to exploreanewfieldofInternetInternetentertainmentafter，TheInternetfin

3、anceisthe productoftheinformationage,theinevitabilityofitsappearancehas,tomeet thepublicdemandsforefficient,convenient,theinformationoffinancial management，Interconnectionandfinanceishighlyintegrationandinnovationofnew formsoffinancialproductsasacrosspointoftheInternet Financeandmicrofin

4、ance,P2Ponlinelendingplatformonlineintermediaryfinancing platformforinvestorstoprovidedirectloanstotheborrower，Itoriginatedfrom the2005BritishawebsitecalledZopa，In2006June,inBeijingsetupthefirst domesticP2Ponlinelendingplatform--Creditease,then,establishedin2007in Shanghai,the"PPdai"isth

5、efirstdomesticpureline,unsecuredonlineplatform， ThencompanywiththeRedHill,"renrendai"thousandsofpeopleonlinelending company，Inafewshortyears,P2Ponlinelendinggetrapiddevelopmentin china，Bytheendof2013,thewholeP2Ponlinelendingindustryhasmorethan 2000homeonlinelendingplatform,thetransaction

6、sizemorethanonehundred billionyuan,anincreaseof5timesmorethanin2012,20timesmorethanin2011， ThispapergivesanoverviewoftheP2Pnetworklending,introducedthe concept,P2Pnetworklendingfeatures,developmentsituation，Focuseson theanalysisofriskandsupervisionofstateoftheindustryatpresentfaces,andwi

7、th theinternationalP2Pmanagementmodeasthereferenceandcontrastisintroduced intothispaper,especiallyforneighboringcountries,SouthKoreaandJapan P2Pindustryforreference,soastoputforwardsomeownviewsonregulationof P2PnetworkforBankingindustry，Literatureanalysismethodusedinthewr