P2P 网贷风险及其监管对策分析摘要作为民间借贷的一种特殊形式，P2P 网络借贷业务也存在民间借贷中普遍存在的风险，同时，其所依托的互联网平台不确定性因素很多，进一步增加了风险。虽然腾讯的财付通，阿里巴巴的支付宝等第三方支付平台的引入，能从一定程度上对资金进行监管，降低资金被挪用和侵占的风险。但是由于贷款缺乏有效的担保方式，一旦出现大规模的借款人的违约行为，或者 P2P 网贷平台的自身运营出现问题，一旦资金链断裂，带来的影响是巨大的。本文通过研究 P2P 历史、行业风险，P2P 网络借贷平台风险种类，业务模式，对发展早期的 P2P 网络借贷行业管理主体、平台性质、准入要求门槛、信息披露、行业自律、征信体系建设等方面提出了监管的政策建议。AbstractAs a special form of folk loan, the P2P lending business is generally exists in private lending risks, at the same time, the many uncertainty factors, based on a Internet platform to further increase the risk. Although tencent's tenpay, alibaba's alipay and other third-party payment platforms are introduced, the funds can be regulated to a certain extent to reduce the risk of embezzlement and embezzlement. But due to the lack of effective way to guarantee loans, once appear large-scale borrowers default behavior, or P2P network platform for its own operating problems, which once the capital chain rupture, the impact of is huge. In this paper, the history of P2P, industry risk, risk of lending to P2P network platform type, business model, the development of P2P lending industry regulatory body, at the early stage of the platform attributes, the barriers to entry, information disclosure, self-discipline, the construction of credit system in the regulation policy Suggestions are put forward.前言P2P，来源于英文的“peer-to-peer”,P2P 网络借贷的是个人对个人的借贷，也被叫做“对等借贷”。 P2P 网络借贷是互联网金融的重要构成方面，表现出没有媒介的，超越时间和地区约束的资本融通特点，是人类历史发展...
