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1、摘要息披露与交易人信息保护的平衡等立法思路和规制措施。第四部分，我国P2P网络贷款法律监管制度的整体建构。借鉴第三部分发达国家的监管理念和具体监管举措，提出以下规制建构：第一，坚持松弛有度的监管原则和立法思路，避免因过度监管引起限制行业发展；第二，健全网络贷款法律框架，为有效监管提供法律支持，制定专门法律明确网络贷款的合法地位和利率标准，修改不适应实践需要的原有相关立法；第三，明确监管主体，法律层面形成银监会与工信部联合监管机制；第四，明确监管方式，从准入机制、日常运营、退出机制三个维度论述；第五，加强和鼓励行业自律监管，为法律规制提供必要补充。关键词
2、：P2P网络贷款；国际借鉴；法律规制IVAbstractABSTRACTP2PnetworklendingoriginatedinBritain,becauseofitsnetwork,high-speeding,thecommoncharacteristic,netlendingindustryquicklycatchesonaroundtheworld.Foundedin2007,"oncredit"isourcountrythefirstnetcreditplatform,andinlessthantenyears,ourcountrynetle
3、ndingindustrysprungupandformedthe"Shanghaimodel","Beijingmodel","Qingdaomodel"andotherdistinctivebusinessmodel,anditsvolumerenderinginexplosivegrowth.Butasaresultofthelong-termloanstothenetworkindustryinourcountryvacuumregulatorysituation,alotofnetworkplatformintheloanwithdrawn,
4、collapse,duetothelimitedvolumerun,wasattackedbyhackercausingthesitetoworkdifficultorevenstoppedoperating.P2Pnetworksaregoodcomplementtraditionalfinancialloan,itsactiveprivatelendingmarket,improvethequalityofciviclife,dependsonfromtheaspectoflegalregulation.Inthispaper,theauthori
5、ntroducesthenetworksituation,onthebasisofanalyzingtheproblemsexistedintheourcountrynetworkloanregulatoryrestrictions,andtheurgencyofsupervision,bydescribingtheinternationalregulationofadvancedconceptsandmeasures,thenetworkcreditsupervisionsysteminChinaisproposed.Thearticlemainly
6、dividesintofourparts：Thefirstpart,overviewofP2Pnetworklending.Loansfromthenetworkoftradingpatternsinabstractstheconceptofaloan,pointsoutthatthenetworkistheproductoftheInternetfinancialinnovationloan.Inloans,onthebasisofanalyzingnetworkcomparedwithtraditionalfinancialpattern,main
7、lyincludingbusinessmainbodylegalstatus,businessmethods,businessscope,applicablelawfouraspects.Thesecondpart,thesupervisionoftheP2Pnetworkinourcountrytheloanstatusandexistingproblems.NetworkloansinChinabankingregulatorycommission(CBRC),industrialandcommercialadministrativedepartm
8、ent,ministryofmultipleinstitutionsjointregulato
