CAJ | 학술논문

通过对我国 P2P 网络借贷平台运营模式的探究，认为网络借贷平台存在民事法律风险、刑事法律风险和金融法律风险。在此基础上，借鉴美国对 P2P 网络借贷平台的监管格局，提出通过明晰监管结构、完善个人征信体系、规范中间账户管理、引入第三方担保机制或建立风险准备金制度等监管措施，增进行业自律来完善我国对网络借贷平台的监管。
통과대아국 P2P 망락차대평태운영모식적탐구，인위망락차대평태존재민사법률풍험、형사법률풍험화금융법률풍험。재차기출상，차감미국대 P2P 망락차대평태적감관격국，제출통과명석감관결구、완선개인정신체계、규범중간장호관리、인입제삼방담보궤제혹건립풍험준비금제도등감관조시，증진행업자률래완선아국대망락차대평태적감관。
Through analyzing the operational model of peer to peer lending platforms in China,this paper points out that these platforms are faced with civil risks,criminal risks,and financial risks.Based on the legal risk exploration,intro-ducing the present regulatory patterns in U.S.,the author proposes through pinpointing regulatory structure,completing personal credit system,standardizing the middle account management,introducing the third party guarantee mechanism or establishing risk reserve system,and optimizing the industry self-discipline to improve China’s supervision on P2P Lending.