P2P行业监管立法的国际经验

International Experience of Supervisions on Peer-to-Peer Lending

P2P行业是一个新兴金融中介行业。目前,我国P2P行业监管尚没有立法依据,各监管部门仅在自身权限范围内尝试进行监管。因此,借鉴国际经验促成我国P2P行业立法十分必要。本文采用比较研究的方法,系统介绍了美国、韩国、英国P2P行业的监管经验和教训,并与中国实践相结合,提出相应的立法建议。

Peer-to-Peer lending is an emerging business in finance market. There is still no legislation on Peer-to-Peer lending in China. Some regulatot-y bodies have tried to supervise the P2P lending merely within their own regulatory authority. Therefore, learning from foreign regulatory experience is particularly important for promoting the Peer-to-Peer lending supervision legislation in China. This paper introduced the experience of the USA, South Korea and UK using a comparative approach, and proposed some legislative implications based on international experience and China＇ s practice.