摘要(Abstract)：
近年来P2P网贷爆发式增长,呈现出平台数量多、成交量高、贷款余额大、参与人数增长快等明显特点。P2P网贷在传统信息中介的基础上衍生出各种业务模式,如自动投标、拆标、净值再融资、债权转让等,由此产生了相应的特殊风险。我国P2P网贷的监管经历了无监管、模糊监管和明确监管三阶段,但监管现状仍不尽人意,应当在明确按中介监管的基础上适度监管,强化政府监管与行业自律的结合,构建和完善包括市场准入制度、营运资本维持制度、第三方资金托管制度、信息披露制度、消费者保护制度、市场退出机制在内的监管制度体系。
关键词(KeyWords)：
Abstract:
Keywords:
基金项目(Foundation): the research achievement of the Youth Fund Project granted by the Ministry of Education for Humanity and Society Research(No.YJC820054);;
the Project Funded by the Priority Academic Program Development of Jiangsu Higher Education Institutions
作者(Author): 王艳丽;
Email:
参考文献(References)：
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- 10 The common risks of P2P involve those related to technology and credit.Technology risks refer to the problem of internet security,including the technology risks of the lending platform system and the susceptibility to hacker attack.Credit risks are from two respects:first,the insufficient examination of the borrowers'credit information;second,the borrowers unable to pay on time.
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- 20 The concept of P2P Scalper appeared for the first time on the 1st Finance Daily on February 25,2014,which refers to professional speculators that utilize lending platform to conduct business of refinance with net value.
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- 24 The P2P lending platform,Dongfangchuangtou,was established on June 19,2013.It was suspected of committing the crime of illegally absorbing pubic deposit of 126,736,562.39 yuan,and relevant person in charge was decided by Luohu People's Court,Shenzhen as taking criminal responsibility in July 2014.This case is deemed as the first one in China for illegally absorbing deposit of the pubic in the industry of P2P lending.Mei Junyan,First Case in P2P Lending,Rate of Capital Return up to48.7percent,China Securities Journal(2014).
- 25 For instance,Ppdai assigned escrow of capital to Alipay at first,but then to Bank of Changsha.Jimubox assigned escrow of capital to China Payment and Remittance Service Co.,Ltd at first,but then to China Minsheng Banking Corp.,Ltd.;PPmoney assigned escrow of capital to Tenpay at first,but then to Pingan Bank.
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- 33 Id.,203.
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- 36 For instance Zhongdadai with registered capital of 30,000 yuan,Airuidai with registered capital of 100,000 yuan(both of them have run away);Jiuxin finance with registered capital of 2 billion yuan.
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- 38 Wu Jian,supra note 35.
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- 45 For instance,Prosper established its subsidiary company Prosper Funding LLC at the end of 2012,which issued securities to the investors and then prevent the risk of parenting company bankruptcy.
