摘 要p2p 网贷毫无例外的与所有的新兴行业及企业经历着相同的生命周期。从萌芽到扩张，收缩，直到稳定的发展局面。不同的国家在 p2p 网贷的问题上也有着截然不同的监管方式和法律法规，在我们国家也应对本国的 p2p 监管模式以及法律法规进行探究。本论文共分五章。第一章是关于 p2p 的介绍以及与其贷款方式的比较；第三章是国外 p2p 的发展及法律法规；第二章与第四章为全论文的重点，则是对我国 p2p 的发展现状提出存在问题并结合法律法规对存在问题进行解释及维权；第五章是写 p2p 网贷的未来发展。 随着 p2p 行业日趋成熟的发展，它将与“监管真空期”和“野蛮生长期”疏离，从而转型和净化，厘清 p2p 平台理想与现实的差距，最终实现罗伯特·希勒心中“金融与美好社会”的互联网金融时代的大创新。关键词:p2p，法律法规，发展及问题，风险提示，借贷网络平台ABSTRACTP2P net loan without exception, with all the emerging industries and enterprises experiencing the same life cycle. From infancy to expansion, contraction, and stability. Different countries in the P2P net loan problems also have different regulatory methods and laws and regulations, in our country should also deal with the domestic P2P supervision mode and laws and regulations to explore. This thesis consists of five chapters. The first chapter is about the introduction of the P2P and compare them with loans; the third chapter is the development of the laws and regulations of foreign P2P; the second chapter and the fourth chapter is the key of the whole thesis, is the development of the status quo of China's P2P put forward the existing problems and combined with the laws and regulations on the problems of interpretation and rights; the fifth chapter is the future development of P2P net loan write.With the development of P2P industry matures, it will be with the "regulatory vacuum" and "barbaric growth period" alienation, thus the transformation and purification, clarify t...
