论文编号:中国政法大学（2号楷体_GB2312）本科生毕业论文P2P网络借贷法律监管问题研究年级:完成日期:学号：（4号楷体，下同）专业姓名：学院:指导教师:论文成绩:P2P网络借贷法律监管问题研究【摘要】近几年，在现在人类发展的背景下，属于网络上的一些金融物品的项目逐渐进入了我国的经济市场。关于互联网借贷的金融产品真是野火烧不尽春风吹又起。各种产品越来越多快速的发展，到现在为止我国虽然己经制定了《暂行办法》、《网络借贷资金存管业务指引》、《资金存管业务指引》，但是在P2P金融平台监管问题上还存在一些分歧，不知道从哪方面管制，投资还有明显的风险性。P2P虽然是借着网络操作投资但还是有一定的风险，到现在为止发现了不少不利于P2P发展的情况。本文首先对国内外的研宄现状做了简要介绍，分析了P2P网络借贷平台的运作模式，探讨了P2P网络借贷平台法律监管存在的问题，最后结合所学知识提出了针对我国P2P网络借贷平台问题的解决对策，希望给我国p2p网络借贷平台法律监管提供一些有价值的参考意见参考意义。P2P网络借贷法律监管ResearchonLegalSupervisionofP2PNetworkLoan[Abstract]Inrecentyears,inthecontextofhumandevelopmentnow,belongtothenetworkofsomefinancialitemsoftheprojectgraduallyintoChina’seconomicmarket.FinancialproductsontheInternetborrowingisreallywildfireburningspring.Avarietyofproductsmoreandmorerapiddevelopment，sofarourcountryhasnotyetenactedtherelevantprovisionsofthelawandpublishedintheP2Pfinancialplatform,therearestillsomedifferencesintheviews,donotknowwherethecontrol，investmentthereObviousrisk.P2P，althoughtheinvestmentthroughthenetworkbutstillhaveacertainrisk，sofarfoundalotofdisadvantageisnotconducivetothedevelopmentofP2Psituation.Thispaperfirstintroducesthecurrentsituationofresearchathomeandabroad，analyzestheoperationmodeofP2Pnetworklendingplatform，discussestheexistingproblemsofP2Pnetworklendingplatformlegalsupervision,andfinallyputsforwardtheproblemofP2PnetworklendingplatformSolvethecountermeasure，hopingtogiveourcountryp2pnetworkborrowingplatformlegalsupervisiontoprovidesomevaluablereferencereferencesignificance.[KeyWords]P2Pnetworklendinglegalsupervision录】、互联网金融P2P借贷基本范畴界定.................................................................（一）........................................................................互联网金融P2P借贷基本理论11.互联网金融P2P借贷的概念.................................................................12.互联网金融P2P借贷的特点.................................................................1（二）.....................................................................互联网金融P2P借贷的运营模式21.国际三大互联网金融P2P借贷的运营模式..............................................22.国内互联网金融P2P借贷的运营模式....................................................2二、我国互联网金融P2P借贷法律监管的必要性...................................................3（一）............................................................................互联网金融P2P借贷的风险31.儲雕.................................................................................................32.网络技术性风险.................................................................................3...........................................................................................................44.操f乍仲•风r会.................................................................................45.外部操作风险....................................................................................4（二）..............