我国P2P网络借贷平台法律监管制度研究摘要P2P网络借贷在发展中暴露出很多的法律风险，虽经过国家的监管和调控，但仍有部分法律风险需要提防。所以，加快P2P网络借贷行业良好发展的步伐，意识到其潜在的法律风险，提前做好防范措施是非常重要的。本文先对P2P网络借贷进行概述，并肯定其部分功能价值。然后结合部分案例分析P2P网络借贷现存的违约风险、平台违法风险、非法吸收公众存款风险和个人信息泄露风险。并针对这些法律风险对比借鉴英、美两国的行业自律模式、征信体系、信息披露制度，结合部分学者的观点和我国的实际情况，提出相应的防范对策。本文将首先对我国P2P网络借贷平台进行概述，进而分析对其监管中存在的问题，通过对比研究域外的P2P网络借贷平台监管制度，对我国P2P网络借贷平台监管进行完善。关键词：P2P；网络借贷；法律风险；防范对策PAGE\*MERGEFORMAT25ABSTRACTP2Pnetworklendinghasexposedalotoflegalrisksinthedevelopment.Althoughithasbeenregulatedandregulatedbythestate,therearestillsomelegalriskstobeguardedagainst.Therefore,itisveryimportanttospeedupthegooddevelopmentoftheP2Pnetworklendingindustryandrealizeitspotentiallegalrisks.First,thispapergivesanoverviewofP2Pnetworklendingandaffirmssomeofitsfunctionalvalue.CombinedwithsomecasesP2Ptheexistingdefaultrisk,platformillegalrisk,illegalabsorptionofpublicdepositsriskandpersonalinformationdisclosureriskofonlinelendingareanalyzed.Inviewofthecomparisonoftheselegalrisks,thispaperdrawslessonsfromtheindustryself-disciplinemodel,creditsystemandinformationdisclosuresystemofBritainandtheUnitedStates,andputsforwardcorrespondingpreventivecountermeasuresaccordingtotheviewsofsomescholarsandtheactualsituationofourcountry.ThispaperwillfirstsummarizetheP2Pnetworklendingplatformofourcountry,andthenanalyzetheproblemsexistinginitssupervision.BycomparingandstudyingthesupervisionsystemofP2Pnetworklendingplatformoutsidethecountry,thesupervisionofP2Pnetworklendingplatforminourcountryisperfected.Keywords:P2P,networklending,legalrisks,preventivemeasuresPAGE\*MERGEFORMAT25目录摘要...................................................................................................................................................1ABSTRACT..........................................................................................................................................2第1章绪论...................................................................................................................................5（一）研究背景...........................................................................................................................5（二）研究意义...........................................................................................................................5（三）研究方法...........................................................................................................................6第2章P2P网络借贷的概述.................................................................................................7（一）P2P网络借贷的概念......................................................................................................7（二）P2P网络借贷的特点........................................................................................................7第3章P2P网络借贷中的法律风险及监管现状...........................................................................9（一）P2P网络借贷中的法律风险............................................................................
