網(wǎng)絡(luò)p2p借貸行業(yè)發(fā)展與監(jiān)管模式分析——以人人貸為例

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1、-------及缺少政府監(jiān)管的現(xiàn)狀，從法律、政府監(jiān)管，行業(yè)自律，信息披露、征信體系、網(wǎng)絡(luò)借貸文化的培養(yǎng)等十個(gè)方面對(duì)中國(guó)P2P網(wǎng)絡(luò)借貸提出政府監(jiān)管對(duì)策。本文的討論，即使沒有切中問題的肯綮，至少是一種值得的嘗試。關(guān)鍵詞：人人貸，監(jiān)管模式，P2P網(wǎng)絡(luò)借貸，互聯(lián)網(wǎng)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，F(xiàn)ocuseson theanalysisofriskandsupervisionofstateoftheindustryatpresentfaces,andwi

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