【摘要】 民间借贷网络服务平台的出现改变了世界范围内的投融资活动,使民间金融从个体无序化发展进入了社会化发展的时代。伴随这一金融模式创新而来的是金融安全和消费者保护问题。美国率先对其进行了监管,而我国对此还未有相应立法。我国应借鉴美国经验,加强行业监管,确立对民间金融有监管经验的地方政府金融办为监管机构,建立双峰监管目标和宽松的差别监管体系,建立平台的市场准入制度和合格投资者进入制度,运用信息披露的适当性审查来兼顾交易安全和行业保护,引入高利贷制裁机制以解决市场失灵问题。更多还原

【Abstract】 The emergence of peer- to- peer lending platform has changed the world’s investing and financing activities,which has helped the private finance evolve from the individual disorder into a socialized development.However,this financial innovation has brought up such problems as financial security and protection of consumer’s legal rights. The deficiency of related legislation urges China to learn from the US,who took the lead in its supervision,in their experience of strengthening the supervision in p2 p lending,changing the regulator from the China Banking Regulatory Commission to the Financial Office of local government,establishing two-humped supervision goals and different of loose supervision system,altering the establishment system from registration system to examination and approval system,establishing the system of entering of the qualified investors,examining the adequacy of information disclosure to balance trade safety and industry protection,and ultimately establishing system of usury mechanism so as to solve the problem of market failure.更多还原