国内外P2P网贷机构发展及相关政策思考

The Development of P2P Network Lending Institutions at Home and Abroad and the Reflection on Related Policies

本文对网络借贷在国外发展和监管状况进行分析,对国内网络借贷现状进行概括总结,指出其中存在的主要问题,提出完善网络借贷行业自律及外部监管等相关建议。

The paper analyzes the development and regulatory conditions of the network lending in foreign countries, summarizes the present situation of domestic network lending, points out the existing problems, and puts forward related suggestions such as per- fecting network lending industry self-discipline and external supervision and so on.