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我国P2P网贷发展现状及监管对策探讨
引用本文:张磊.我国P2P网贷发展现状及监管对策探讨[J].江苏市场经济,2014(6):4-5.
作者姓名:张磊
作者单位:江苏警官学院侦查系,江苏南京210039
基金项目:江苏省教育厅2009年高校哲学社会科学研究项目“全球金融危机背景下的我国金融监管问题研究”(09SJD-790016)
摘    要:P2P网络借贷是依托于计算机网络而形成一种金融模式,它的出现给个人提供了新的融资渠道和融资便利,是对当前金融体系的有效补充。对比分析中国和美、欧发展环境对P2P网贷的适合度,介绍我国P2P网贷的四种模式,并在此基础上探讨P2P网贷的监管对策。

关 键 词:P2P网贷  现状  监管

Discussion on the Present Situation and Supervision Countermeasure of P2P Cyber Credit in China
Authors:ZHANG Lei
Institution:ZHANG Lei (Investigation Department, Jiangsu Police Institute, Nanjing 210039, Jiangsu, China)
Abstract:The P2 P cyber credit,which is based on computer network,is an internet financial model. It provides a new financing channels and financing convenience to people,and it is an effective supplement to the current financial system. The comparative analysis on Chinese,American and European developing environment on the fitness of P2 P cyber credit is indicated in this article,and it also introduces 4 modes that existing in our P2 P cyber credit,and based on it,the article explores the supervision countermeasures of China's P2 P cyber credit.
Keywords:P2P cyber credit  situation  supervision
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