P2 P网贷平台的法律监管框架构建研究

摘要

In recent years,P2P lending platforms have made great progress in China.Due to lack of special legislation and regulations,various risks exist in its operation.This article analyzes all kinds of risks and supervision dilemma of P2P lending platforms which exist in our country,compares regulation experience of USA and UK and proposes the basic thought of constructing and improving P2P supervision in China.We need to strengthen the construction of laws and regulations,combine government regulation and industrial self-discipline,and accelerate the construction of credit system.This article also proposes some suggestions on the regulatory principles,the regulatory authorities,the regulatory content and the regulatory means of P2P lending platform in our country.%近年来P2P网贷平台在我国发展迅速。由于缺乏对其专门立法和监管，导致其经营存在多种风险。文章分析了我国P2P行业的各种风险和监管困境，比较了英美两国的监管经验，提出了构建和完善我国P2P监管的基本思路应当是加强法律法规建设、政府监管和行业自律相结合、推进信用体系建设。文章还对我国 P2P 监管应采用的监管原则、监管机关、监管内容和监管手段提出了构想。