P2P平台风险监管困局及破解分析
2023-02-10 09:02
论文总字数：20862字
摘 要
P2P网络借贷作为一种全新的金融组织形式,实现了现有金融系统的部分功能,对于金融市场的发展产生了重要意义。我国P2P网络借贷经过这几年的发展，形成了具有我国特色的模式。然而这些却存在诸多弊端，给监管带来了不好困难。因此，破解P2P网贷平台监管困局非常的重要，对于净化金融市场有着重要意义。本文主要从分析我国P2P监管现状出发，提出破解监管困局的方法。
本文对我国P2P网贷平台监管进行了理论性概述，先是探寻我国P2P网贷发展的现状，然后分析发展中的问题并且分析原因，再借鉴美国与英国两国的网贷平台经验，最后根据本文的分析得出结论，全文按照这个思路展开论述。首先使用了文献分析研究法，通过从互联网，图书馆等途径了解相关背景资料与行业现状,对我国P2P网贷平台监管的背景、目的意义、思路及内容进行了整体的构架。其次，本文还采用了图标法，更加清晰直观的展现我国P2P网贷平台发展现状，能明显看到我国P2P网贷平台现在趋于平稳趋势。最后，本文还采用了对比法，研究探寻英美两国的P2P网贷平台发展历程，寻找有利于我国学习借鉴的经验。
通过上述调查研究发现，我国P2P网贷平台监管主要存在的问题，一方面法律监管不够严格，另一方面，网贷平台自身存在不足，此外，行业自律方面也存在不足，因此，本文提出了以下建议：明确监管主体及职责、确立法律监管原则、健全市场准入及退出法律制度、完善信息披露与保护法律制度、提高平台安全技术、建立健全征信体系、完善行业自律监管。
关键词：P2P平台；监管困局；风险特征
P2P Platform Regulatory Dilemma and Crack Analysis
Abstract
P2P network lending is an innovative form of financial organization that realizes some of the functions of the existing financial system and is a useful complement to the traditional financial system. After years of development in China"s P2P lending industry, some business models with "Chinese characteristics" have been developed. These business models have different risk characteristics and pose certain challenges to the regulatory authorities. Therefore, cracking the regulatory dilemma of P2P online lending platform plays an important role in purifying the financial market. This paper mainly analyzes the current situation of P2P supervision in China and proposes a method to solve the regulatory dilemma.
This paper gives a theoretical overview of China"s P2P online lending platform supervision. First, it explores the status quo of China"s P2P online lending development, then analyzes the development problems and analyzes the reasons, and draws on the experience of the US and UK online lending platforms. The analysis draws the conclusion that the full text is discussed in this way. Firstly, the literature analysis research method was used. Through the Internet, library and other means to understand the relevant background information and industry status, the overall background of the background, purpose, ideas and content of China"s P2P online lending platform supervision. Secondly, the paper also adopts the icon method to show the development status of China"s P2P online lending platform more clearly and intuitively. It can be clearly seen that China"s P2P online lending platform is now tending to be stable. Finally, the paper also uses the contrast method to explore the development of P2P online lending platforms in the United Kingdom and the United States, and to find experiences that are beneficial to China"s learning.
Through the above investigation and research, it is found that the main problems of China"s P2P online lending platform supervision are that the legal supervision is not strict enough. On the other hand, the online lending platform itself is insufficient. In addition, there are also shortcomings in the industry self-discipline. Therefore, this paper proposes the following Recommendations: Identify regulatory bodies and responsibilities, establish legal supervision principles, improve market access and exit legal systems, improve information disclosure and protection legal systems, improve platform security technologies, establish and improve credit reporting systems, and improve industry self-regulation.
Keywords:P2P Platform;Regulatory dilemma;Risk characteristics
目 录
第一章 绪论 1
1.1研究背景 1
1.2研究目的及意义 1
1.3研究内容及方法 2
1.4论文框架 3
第二章 文献综述 4
2.1国外文献综述 4
2.2国内文献综述 4
2.3文献评述 5
第三章 我国P2P网贷监管现状分析 6
3.1我国P2P网贷行业的现状 6
3.1.1我国P2P网贷行业发展现状 6
3.1.2我国P2P网贷行业所面的风险 7
3.2我国P2P网贷行业监管现状 8
3.2.1监管主体 8
3.2.2监管体系 8
3.2.3监管模式 9
第四章 P2P网贷平台监管问题及原因分析 10
4.1 法律监管问题及原因分析 10
4.2 行业监管问题及原因分析 10
4.3 平台自身存在问题及原因分析 11
第五章 国外P2P网贷法律监管经验借鉴 12
5.1英国监管现状 12
5.2美国监管现状 12
5.3美英两国监管运营经验借鉴 12
第六章 P2P平台监管困局破解对策及建议 15
6.1确立法律监管原则 15
6.2完善行业自律监管 15
6.3健全市场准入及退出法律制度 15
6.4完善信息披露与保护法律制度 16
6.5建立健全征信体系 16
结 论 17
致 谢 18
参考文献（References） 19
第一章 绪论
1.1研究背景
近年来，P2P网贷在中国迅速发展，成为了互联网金融的一个标志。P2P网贷平台借助互联网这一独特的媒介，为借贷双方创造了一个平台，在一定程度上满足了许多借款者的需求。但是，P2P网贷行业在快速发展期间也产生了许多问题。一方面，P2P网贷平台的运营模式由于脱离传统模式而发生了异化；另一方面，我国P2P网络贷款监管力度仍然不够，尚未明确监管主体与监管模式。我国P2P网贷平台发展历程如下表1.1所示。
表1.1 我国P2P网络贷款发展历史
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