导　　师： 孙晓萍

学科专业： 0301

授予学位： 硕士

作　　者： ;

机构地区： 广东外语外贸大学

摘　　要： 2005年在英国出现了一种依靠互联网从而实现高效、快捷地借贷资金的新兴业务模式，即P2P（person to person/)网络借贷。从其问世以来的几年间，世界范围内都开始流行起这种全新的借贷模式。在这种背景下，中国也诞生了自己的第一个P2P网络借贷平台——拍拍贷，并于2007年7月开始在上海试运营。其后，国内大规模地出现了如红岭创投、人人聚财等一批网络借贷平台，P2P网络借贷在中国呈现出爆发式的增长。这一新兴事物在给我国的贷款市场带来活力的同时，也留下了巨大的潜在风险，如身份模糊、缺少法律法规的监管、内部管理不规范等等。笔者认为主要存在的问题有以下几方面，第一、相关法律规范较少，从而导致P2P网络借贷缺少法律的监管。第二、贷款人的法律地位和权利义务不够明确。民间放贷人的法律地位一直不够明确，导致其权利义务也处于模糊状态，进而影响到P2P网络借贷的发展。第三、P2P网络借贷平台的信贷风险评价机制不够完善，这主要指不健全的个人信用体制和信用评级制度。第四、P2P网络借贷平台的坏账风险控制力度不够，我国目前主要采取审核和催收的方式来处理坏账风险，但是这对风险的控制力度并不够。作为一个金融创新，监管和及时跟进的法律是非常迫切需要的。本文通过对P2P网络借贷的全面剖析，对其业务模式和主要的法律关系进行分析，另外再结合国外的监督管理经验，给我国的P2P网络借贷提出合理有效的建议，使其健康有序地发展。 In2005there appears an efficient and shortcut mode of network lendings whichrelies on the Internet in emerging business model in the UK, namely P2P /(person toperson/) network lending. Since a few years from the advent of it, all the world arebeginning to pop from this new lending model. In this context, China is alsoappearing the birth of their first P2P network lending platform-Paipaidai, and in July2007it began to have a trial operation in Shanghai. Thereafter, our country emerged alarge scale ventures such as Hongling, Renren and a number of other network lendingplatforms, P2P network lendings is showing an explosive growth in China. Thisnew thing has brought vitality to our loan market, but at the same time has left a hugepotential risks, such as blurred identity, the lack of laws and regulations, regulatory,not standardized internal management, and so on.And we think the main bodies thatinvolved in the network lendings,and discusses the risks that may arise in each subjectone by one, including the borrower, the lender, intermediary service side, insurerand guarantor, etc., as well as analysis the regulatory status of the main parties. As a financial innovation, regulatory and timely follow-up of the law is verymuch needed. Through a comprehensive analysis of P2P networks lending,this articleanalyzes their business models and the main legal relationships combined with anadditional oversight of management experience,and the purpose is to give our lendingP2P network lendings some reasonable and effective recommendations to make ithealthy and orderly develop.

关 键 词： 网络借贷 网络借贷平台 法律监管

分 类 号： [D922.28 D922.291.91]

领　　域： [政治法律] [政治法律] [政治法律] [政治法律]