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(毕业论文)题目：我国p2p的发展现状及法律规制学院：人文社会科学学院专业班级：法学专业2013级2班指导教师：金邦庆职称：副教授学生姓名：马梦凡学号：21407010203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，发展问题，风险提示，借贷网络平台ABSTRACTP2Pnetloanwithoutexception,withalltheemergingindustriesandenterprisesexperiencingthesamelifecycle.Frominfancytoexpansion,contraction,andstability.DifferentcountriesintheP2Pnetloanproblemsalsohavedifferentregulatorymethodsandlawsandregulations,inourcountryshouldalsodealwiththedomesticP2Psupervisionmodeandlawsandregulationstoexplore.Thisthesisconsistsoffivechapters.ThefirstchapterisabouttheintroductionoftheP2Pandcomparethemwithloans;thethirdchapteristhedevelopmentofthelawsandregulationsofforeignP2P;thesecondchapterandthefourthchapteristhekeyofthewholethesis,isthedevelopmentofthestatusquoofChina'sP2Pputforwardtheexistingproblemsandcombinedwiththelawsandregulationsontheproblemsofinterpretationandrights;thefifthchapteristhefuturedevelopmentofP2Pnetloanwrite.WiththedevelopmentofP2Pindustrymatures,itwillbewiththe"regulatoryvacuum"and"barbaricgrowthperiod"alienation,thusthetransformationandpurification,clarifythegapbetweentheidealandtherealityoftheP2Pplatform,andultimatelyRobertHiller'sheart"financeandthegoodsociety"eraofInternetfinancialinnovation.KEYWORDS:P2P,developmentandproblems,risktips,lendingnetworkplatform目录前言...............................................................1第一章p2p..........................................................1第一节选题的目的及意义.............................................1第二节何为p2p？..................................................2第三节p2p与其它贷款方式相比较....................................2第二章中国p2p发展及存在问题.......................................3第一节中国p2p的发展概况..........................................4第二节P2P野蛮生长的制度背景......................................5第三节P2P野蛮生长的问题爆发......................................6第三章P2P国外的规制和立法.........................................6第一节国外P2P监管借鉴及法律法规..................................6一、美国P2P网贷行业监管方式........................................6二、英国P2P网贷行业监管方式........................................7三、韩国P2P网贷行业监管方式........................................7第二节国外P2P对中国P2P发展的影响................................7第四章中国P2P的法律规制探究.......................................8第一节现有的法律法规..............................................8一、民法通则........................................................8二、《证券法》......................................................8三、《合同法》......................................................8四、《关于人人贷有关...