美国网络借贷平台监管体系演变和启示——兼论我国P2P网络借贷平台监管体系构建.pdfVIP

Abstract P2P (“Peer to Peer”) lending platform is originated from the UK and prosperous in the United States. It ‟s a new kind of internet financial intermediary and an important innovation in internet financial field.P2P lending platform attracts the participation of many people because of its convenience and highly rate of return. P2P lending platform is now an essential part of financial institution. However, P2P lending industry in China is facing its problems on the ground of the lack of regulation and supervision. This article is trying to clarify the nature of China ‟s P2P lending platform through analyzing the business models of different types of P2P lending platform. At the same time, this article pays much attention to the development of the regulation and supervision on P2P lending industry in the United States, especially for the regulation of SEC (Securities Exchange Commission) on P2P lending industry before and after the enactment of JOBS act (Jumpstart Our Business Startups Act). On the foundation of analyzing the United States‟ current regulatory system of P2P industry and the development of China‟s P2P lending industry, this article attempts to provide some suggestions on the construction of the regulatory system of China ‟s P2P lending industry. Keywords: P2P lending platform, JOBS act, the definition of Securities, Self-regulation of P2P industry II 目录 第1 章 引言 1 1.1 P2P 网络借贷平台的发展现状 1 1.2 P2P 网络借贷平台的风险 2 第2 章P2P 网络借贷平台法律性质辨析3 2.1 纯粹的借贷中介模式——以“拍拍贷”为例4 2.2 带本金保障计划的借贷中介模式——以“人人贷”为例5 2.3 采取债权转让模式P2P 网络借贷平台——以宜信“宜人贷”为例6 2.4 小结8 第3 章 我国对P2P 网络借贷平台的监管现状8 3.1 金融监管部门对P2P 网络借贷平台的监管8 3.2 工商管理部门和信息网络管理部门对P2P 网络借贷平台的监管9 3.3 地方政府金融办公室对P2P