CAJ | 학술논문

P2P网络借贷的迅猛发展给监管带来了巨大的挑战。在美国，P2P网络借贷实行由证券监管部门、银行监管部门、金融消费者保护局等多个部门共同监管的分散监管体制，对投资者的保护主要是通过证券监管实现的。英国自2014年4月起将P2P网络借贷纳入金融行为局（ FCA）的监管范畴。我国尚未对P2P网络借贷予以监管，但P2P行业因涉及公众利益，出于风险防范和其健康发展的需要，监管问题必须尽快予以解决。由于P2 P借贷公司从事的是类金融业务，故应由监管金融业务的机构予以监管。在我国现行的金融监管体制下，对P2 P网络借贷实行统一监管的机构应为银监会。
P2P망락차대적신맹발전급감관대래료거대적도전。재미국，P2P망락차대실행유증권감관부문、은행감관부문、금융소비자보호국등다개부문공동감관적분산감관체제，대투자자적보호주요시통과증권감관실현적。영국자2014년4월기장P2P망락차대납입금융행위국（ FCA）적감관범주。아국상미대P2P망락차대여이감관，단P2P행업인섭급공음이익，출우풍험방범화기건강발전적수요，감관문제필수진쾌여이해결。유우P2 P차대공사종사적시류금융업무，고응유감관금융업무적궤구여이감관。재아국현행적금융감관체제하，대P2 P망락차대실행통일감관적궤구응위은감회。
The rapid development of online person -to -person lending poses great challenge to its regula-tion.In the United States ,the current regulatory structure for online P 2 P lending involves multiple overseeing agen-cies including the United States Securities and Exchange Commission , various federal bank regulators , the Consum-er Financial Protection Bureau and the state counterparts of all these entities .Under this system , the protection on lenders mainly depends on the securities regulation .From April 2014, P2P lending came under the regulatory man-date of the Financial Conduct Authority.Our country hasn’t started regulation on online P2P lending.Due to the public interests it involves , the necessity for online P2P lending to prevent risk and develop healthily requires its regulation as soon as possible .The sphere of online P2P lending is similar to financial business , so it should be regulated by financial regulatory agency .Under the current financial regulation system in China ,banking regulatory commission should be the authority to regulate on online P 2P lending.