网络P2P借贷行业发展与监管模式-研究——以人人贷为例.pdf

及缺少政府监管的现状，从法律、政府监管，行业自律，信息披露、征信体系、 网络借贷文化的培养等十个方面对中国P2P 网络借贷提出政府监管对策。 本文的讨论，即使没有切中问题的肯綮，至少是一种值得的尝试。 关键词：人人贷，监管模式，P2P 网络借贷，互联网金融 II Abstract The progress of science and technology and the popularization and development ofInternet business, changed turn the world upside down changes to peoples life, the whole world is immersed in the convenience brought by the Internet, people have more and more strong dependence on the Internet, all kinds of requirements related to the Internet emerge, online finance is that the Internet social, Internet shopping, to explore a new field of Internet Internet entertainment after，The Internet finance is the product of the information age, the inevitability of its appearance has, to meet the public demandsfor efficient, convenient, the information of financial management ，Interconnection andfinance is highly integration and innovation of new forms of financial products as a cross point of the Internet Finance and micro finance, P2P online lending platform onlineintermediary financing platform for investors to provide direct loans to the borrower ，It originated from the 2005 British a website called Zopa ，In 2006 June, in Beijing set upthe first domestic P2P online lending platform -- Creditease, then, established in 2007 in Shanghai, thePPdai is the first domestic pureline, unsecured online platform ， Then company with the Red Hill, renrendai thousands of people online lending company ， In a few short years, P2P online lending get rapid development in china，By the end of 2013, the whole P2P online lendi