我国P2P网络贷款监管之现实问题及对策研究  

Research on the problems and countermeasures of P2P network loan supervision in China

作　　者：崔玉静[1] 刘超[1] 李继业[2] CUI Yu-jing;LIU Chao;LI Ji-ye(Hebei College of Finance,Baoding 071000, China;Hebei University,Baoding 071051,China)

机构地区：[1]河北金融学院会计系,河北保定071000 [2]河北大学政法学院,河北保定071051

出　　处：《河北工程大学学报（社会科学版）》2017年第3期35-37,共3页Journal of Hebei University of Engineering(Social Science Edition)

基　　金：2016年河北省社科基金项目课题研究成果(编号:HB16YJ040)

摘　　要：P2P信贷是指有资金并且有理财投资想法的个人通过第三方网络平台牵线搭桥,使用信用贷款的方式,将资金贷给其他有借款需求的人,是个体之间在互联网中完成的直接借贷行为。本文以目前P2P网络贷款在我国的发展现状为依托,尝试总结出问题的成因,对监管方式提出可行性建议,旨在完善我国网络贷款的健康发展环境。P2P loans refers to people,who possess the money and the willingness of personal financial investment,fund loans to other people with borrowing needs by using credit loans through a third party platform,which is done on the Internet between individuals directly.Based on the current development and situation of loans in the P2P net work in China,this paper attempts to summarize the causes of the problem,propose feasible suggestions for regulat ory way,to promote the healthy development of the network loans environment.

关 键 词：P2P网络贷款 监督管理 现实问题 对策 

分 类 号：F832.4[经济管理—金融学]