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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IIAbstractTheprogressofscienceandtechnologyandthepopularizationanddevelopmentofInternetbusiness,changedturntheworldupsidedownchangestopeople'slife,thewholeworld
2、isimmersedintheconveniencebroughtbytheInternet,peoplehavemoreandmorestrongdependenceontheInternet,allkindsofrequirementsrelatedtotheInternetemerge,onlinefinanceisthattheInternetsocial,Internetshopping,toexploreanewfieldofInternetInternetentertainmentafter，TheInternetfinanceistheprod
3、uctoftheinformationage,theinevitabilityofitsappearancehas,tomeetthepublicdemandsforefficient,convenient,theinformationoffinancialmanagement，InterconnectionandfinanceishighlyintegrationandinnovationofnewformsoffinancialproductsasacrosspointoftheInternetFinanceandmicrofinance,P2Ponlin
4、elendingplatformonlineintermediaryfinancingplatformforinvestorstoprovidedirectloanstotheborrower，Itoriginatedfromthe2005BritishawebsitecalledZopa，In2006June,inBeijingsetupthefirstdomesticP2Ponlinelendingplatform--Creditease,then,establishedin2007inShanghai,the"PPdai"isthefirstdomest
5、icpureline,unsecuredonlineplatform，ThencompanywiththeRedHill,"renrendai"thousandsofpeopleonlinelendingcompany，Inafewshortyears,P2Ponlinelendinggetrapiddevelopmentinchina，Bytheendof2013,thewholeP2Ponlinelendingindustryhasmorethan2000homeonlinelendingplatform,thetransactionsizemoretha
6、nonehundredbillionyuan,anincreaseof5timesmorethanin2012,20timesmorethanin2011，ThispapergivesanoverviewoftheP2Pnetworklending,introducedtheconcept,P2Pnetworklendingfeatures,developmentsituation，Focusesontheanalysisofriskandsupervisionofstateoftheindustryatpresentfaces,andwiththeinter
7、nationalP2Pmanagementmodeasthereferenceandcontrastisintroducedintothispaper,especiallyforneighboringcountries,SouthKoreaandJapanP2Pindustryforreference,soastoputforwardsomeownviewsonregulationofP2PnetworkforBankingindustry，Literatureanalysismethodusedinthewritingofthispaper，Accordin
8、gtotheselectedtopic
