我国互联网金融发展及其风险监管研究——以宜人贷等 P2P 平台为例摘 要互联网金融自诞生以来，弥补了传统金融行业的不足，也极大地提高了我国资金资源配置效率，更是深刻地影响我国民众的方方面面，尤其是在货币支付与货币融通方面。虽然我国目前的经济总体以房地产行业作为支撑，但金融行业不容小觑。而且互联网金融的产生极大地在普通民众中传播了金融行业，尤其是 P2P 这样倡导全民投资的，对民生问题影响日益加深。在 P2P 爆雷事件频发的背景下，研究其风险与监管尤为重要。因此，为了分析 P2P 的发展与风险监管，稳定民生，文章里主要结合互联网金融中的 P2P 借贷行业，首先对互联网金融与 P2P 借贷进行概念总结，接着分析总结 P2P 风险与监管的发展轨迹，并在此基础上分析目前对于 P2P 监管存在的问题。由此引出宜人贷为例子，分析其面临的各种风险。最后，根据宜人贷的各种发展风险，有针对性地提出降低或解决风险的对策。关键词：P2P 平台；互联网金融；风险监管IResearch on the Development of Internet Finance and Its Risk Supervision in China——Take Yiren Loan and Other P2P Platforms for ExampleAbstractSince the birth of internet finance, it has made up for the deficiency of the financial industry. Also, it has greatly improved the Efficiency of capital resource allocation in our country.IT has deeply influencing in every space of Chinese people, especially in the Currency payment and money financing. Though our country finance has based on real estate at present, financial industry is not to be underestimated. And the birth of the finance has greatly spread the finance industry in the Ordinary people, especially P2P advocacies to invest with whole people, it makes more and more deeply influence in livelihood issues. Under the background of frequent occurrence of P2P mine explosions, it is more and more important to study its risk and regulation.So, in order to analysis its risk and regulation and stabilize people's livelihood, the article mainly combine...
