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1、摘要摘要P2P網(wǎng)絡(luò)借貸是依托于互聯(lián)網(wǎng)技術(shù)形成的創(chuàng)新型金融組織形式，在中小微企業(yè)以及個(gè)人融資方面發(fā)揮著巨大作用，是傳統(tǒng)金融業(yè)的有益補(bǔ)充。由于其交易方式靈活便捷、收益率高、透明度高等特點(diǎn)，受到了廣大投資者的追捧，截止2014年底，整個(gè)P2P網(wǎng)絡(luò)借貸行業(yè)已有超過1500家網(wǎng)絡(luò)借貸平臺(tái)，成交量超過2400億元，比2013年增長2倍，更是2012年的20倍。然而，在P2P網(wǎng)絡(luò)借貸快速發(fā)展的背后隱藏著一系列問題，由于門檻低，監(jiān)管缺位，P2P網(wǎng)絡(luò)借貸行業(yè)魚龍混雜，資質(zhì)良莠不齊，P2P網(wǎng)絡(luò)借貸平臺(tái)資金鏈斷裂，跑路欺詐等事件頻繁發(fā)生，各種風(fēng)險(xiǎn)正逐漸暴露出來。因此，在P2P網(wǎng)絡(luò)借貸迅猛
2、發(fā)展的同時(shí)，如何使其整個(gè)行業(yè)進(jìn)入健康有序的軌道至關(guān)重要，這就需要政府對(duì)P2P網(wǎng)絡(luò)借貸整個(gè)行業(yè)進(jìn)行監(jiān)管。針對(duì)上述問題，本文首先闡述P2P網(wǎng)絡(luò)借貸的分析背景、分析現(xiàn)狀以及相關(guān)涵義、特點(diǎn)，然后從行業(yè)規(guī)模不斷擴(kuò)大、經(jīng)營模式多樣化以及網(wǎng)貸平臺(tái)問題攀升三個(gè)方面陳述P2P網(wǎng)絡(luò)借貸在中國的發(fā)展現(xiàn)狀，進(jìn)而重點(diǎn)分析P2P網(wǎng)絡(luò)借貸存在的風(fēng)險(xiǎn)，并通過調(diào)查問卷法對(duì)其進(jìn)行統(tǒng)計(jì)分析，從而進(jìn)一步了解借貸雙方對(duì)P2P網(wǎng)絡(luò)借貸風(fēng)險(xiǎn)以及監(jiān)管必要性的認(rèn)識(shí)與看法。通過上述分析分析，借鑒國外P2P網(wǎng)絡(luò)借貸監(jiān)管的相關(guān)經(jīng)驗(yàn)，從監(jiān)管原則、監(jiān)管主體、監(jiān)管細(xì)則以及外部環(huán)境四個(gè)方面，提出適合我國具體國情的監(jiān)管建議。關(guān)鍵詞
3、P2P網(wǎng)絡(luò)借貸經(jīng)營模式風(fēng)險(xiǎn)監(jiān)管IAbstractAbstractPeer-to-Peer(P2P)onlineLendingisinnovativefinancialorganizationformwhichrelyingonInternettechnology.Itplaysanimportantroleinthesmallandmicrobusinessesandindividualsfinancing,andisausefulsupplementtothetraditionalfinancialsystem.Ontheonehand,becauseitisaw
4、ayofflexibleandconvenienttotrade,anditbringshigheryields,thetransactionhasahightransparency,itsoughtbythemajorityofinvestors.Bytheendof2014,theentireP2Plendingindustryhasover1500networklendingplatform,turnoverhasmorethan240billion,istwotimeshigherthanin2014,itistwentytimesin2012.Howeve
5、r,behindtherapiddevelopmentofP2Plending,hiddenaseriesofproblems.Becauseofthelowthresholdandtheabsenceofregulation,P2Ponlinelendingwasmixedup,mixedqualification,andthenP2Ponlinelendingplatformfundingstrandbreaks,corporaterunsawayandsoon,suchincidentsoccurfrequently.Allkindsofrisksaregra
6、duallyexposed.Therefore,withtherapiddevelopmentofP2Plendingatthesametime,howtomaketheentireindustryintoahealthyandorderlycriticalorbit,whichisveryimportant.ThisrequiresthegovernmenttoregulateP2Plendingindustry.Inviewoftheaboveissues,firstofallthispaperexpoundsthebackground,therelatedme
7、anings,thecharacteristicsandtheclassificationsofP2Ponlinelending,thenstatedevelopmentstatusoftheP2PlendinginChinafromthreeaspects:theindustryscaleexpanding,businessmodeldiversificationandproblemnumberofP2Plendingplatformrising,andthenfocusesontheriskofP2Ponlinelending,andcarriesonthe
