互联网金融下的P2P网贷监管探析  

A Study on the Supervision of P2P Net Loan under the Internet Finance

作　　者：卿固[1] 方欣[1] QING Gu FANG Xin

机构地区：[1]大连大学,辽宁大连116622

出　　处：《北京财贸职业学院学报》2016年第5期25-28,共4页Journal of Beijing College of Finance and Commerce

摘　　要：P2P网贷是互联网金融的一种模式,自2014年开始P2P网贷平台以井喷式的速度增长,由此所带来的风险也在不断的增加。由于对P2P网贷的监管存在盲区,使得近两年来P2P行业鱼龙混杂,P2P平台停业和跑路的事件频发,投资者的利益没有得到有效的保护,从而引发了社会各界对P2P网贷监管的关注。为了更好的保护投资者的利益,文章基于我国P2P网贷的发展现状以及目前监管中所存在的问题,分别从P2P网贷自身的角度和国家的角度对P2P网贷的监管提出了建议。P2P net loan is a model of Internet finance, since the beginning of 2014, with the development of the P2P net loan platform, the resulting risk is also increasing. In recent two years, due to the existence of the supervision blind area of P2P net loan, making the past two years P2P industry is more chaotic, and P2P platform closures and running events occur frequently, the interests of investors are not protect effectively, thus the social from all walks of life pay much more attention to the P2P net loan supervision. In order to protect the interests of investors preferably, this paper based on the development of the current situation and the problems of P2P net loan in our country, proposed suggestions from the point of view of P2P net loan itself and the state for the P2P net loan supervision.

关 键 词：P2P网贷 互联网金融 监管 

分 类 号：F724.6[经济管理—产业经济]