金融监管研究
金融鑑管研究
금융감관연구
FINANCIAL REGULATION
2013年
7期
26~39
,共null页
P2P 网络借贷平台 消费者保护 监管
P2P 網絡藉貸平檯 消費者保護 鑑管
P2P 망락차대평태 소비자보호 감관
Peer-to-Peer Lending; Internet Lending Platform; Consumer Protection; Regulation
美国是世界上最早提供规模化P2P借贷的市场之一。Web2．0的兴起和2008年的金融危机为美国网络借贷平台的快速发展提供了契机。本文梳理了美国P2P市场近年来发展兴起的历史沿革和原因，分析了P2P借贷平台运营模式、风险评估与管理等方面的发展特征，阐释了美国监管当局对P2P借贷市场实施的以消费者保护为核心的监管体制特征，对P2P平台未来的发展做了展望，并归纳了对我国P2P市场未来发展的有益启示。
美國是世界上最早提供規模化P2P藉貸的市場之一。Web2．0的興起和2008年的金融危機為美國網絡藉貸平檯的快速髮展提供瞭契機。本文梳理瞭美國P2P市場近年來髮展興起的歷史沿革和原因，分析瞭P2P藉貸平檯運營模式、風險評估與管理等方麵的髮展特徵，闡釋瞭美國鑑管噹跼對P2P藉貸市場實施的以消費者保護為覈心的鑑管體製特徵，對P2P平檯未來的髮展做瞭展望，併歸納瞭對我國P2P市場未來髮展的有益啟示。
미국시세계상최조제공규모화P2P차대적시장지일。Web2．0적흥기화2008년적금융위궤위미국망락차대평태적쾌속발전제공료계궤。본문소리료미국P2P시장근년래발전흥기적역사연혁화원인，분석료P2P차대평태운영모식、풍험평고여관리등방면적발전특정，천석료미국감관당국대P2P차대시장실시적이소비자보호위핵심적감관체제특정，대P2P평태미래적발전주료전망，병귀납료대아국P2P시장미래발전적유익계시。
The United States is home to two of the earliest intemet Peer-to-Peer （P2P） lending platforms. The rapid development of them is based on the emerging of Web 2.0 and accelerated by the 2008 financial crisis. This paper reviews the historical development of P2P lending, analyzes its operating models, risk assessment and man- agement features, as well as illustrates the consumer protection feature of its supervision system designed by super- vision authorities in US. Finally, this paper discusses its future development as well as its enlightenments on Chi- na＇ s future P2P lending development.
