CAJ | 학술논문

随着我国P2P行业的快速发展和风险问题的不断暴露，P2P监管也受到各界高度重视。英美两国的P2P监管体系相对完善，对我国P2P监管具有重要的借鉴意义。本文比较了英美两国P2P的监管法规和监管架构，分析了其对我国P2P监管的启示。研究发现，英国的P2P监管采取监管立法与行业自律相结合，美国以SEC为核心监管机构，多部门分类监管。在此基础上，本文结合我国国情和P2P行业发展现状，提出了当前我国P2P监管的思路：划出监管红线，鼓励创新为主；可重点参照英国实践，行业自律与国家立法相互补充，逐步完善我国P2P监管的法律规范；明确监管机构和重点，完善P2P平台退出机制。
수착아국P2P행업적쾌속발전화풍험문제적불단폭로，P2P감관야수도각계고도중시。영미량국적P2P감관체계상대완선，대아국P2P감관구유중요적차감의의。본문비교료영미량국P2P적감관법규화감관가구，분석료기대아국P2P감관적계시。연구발현，영국적P2P감관채취감관입법여행업자률상결합，미국이SEC위핵심감관궤구，다부문분류감관。재차기출상，본문결합아국국정화P2P행업발전현상，제출료당전아국P2P감관적사로：화출감관홍선，고려창신위주；가중점삼조영국실천，행업자률여국가입법상호보충，축보완선아국P2P감관적법률규범；명학감관궤구화중점，완선P2P평태퇴출궤제。
With the rapid development of the P2P industry and the disclosures of its risk, the regulations of P2P are of high concerns. The P2P regulatory systems in USA and UK are more advanced therefore are helpful in developing China's P2P regulatory system. This paper compares the P2P regulatory systems in USA and UK and explores lessons that can be drawn for China's P2P regulatory system. We find that UK combines legislative supervisions with self-regulations as its P2P regulatory system, while in USA the SEC supervisions are the core. Based on the comparisons, China's reality and the current status of China's P2P industry, we propose some suggestions for China's P2P regulations including setting a regulatory boundary as the red line, encouraging creative activities, completing China's regulatory laws on P2P with reference to UK, identifying the main regulatory institutions and their focuses.