中英美P2P网络借贷法律规制的对比分析

Legal Regulation and Comparative Analysis of Online P2P Lending Among Chinese, British and American

由于风险管理意识不足、监管措施缺位等问题,近年来我国P2P借贷违约事件频繁发生。为了建立完善的P2P网络借贷法律规制体系,从国际比较角度出发,对中英美在征信系统、行业自律和政府监管这三个领域的法律规制建设现状,进行了详细分析。并在此基础上,对中英美三国的P2P网络借贷法律规制体系进行了对比分析。与英美两国相比,我国在征信系统、行业自律和政府监管这三个领域中均存在着法规体系不健全、条文不明确等问题。最后,根据对比分析中得出了我国法律规制建设的不足,有针对性地提出了相应的法律规制建议。

Due to the lack of awareness of risk management and regulatory measures,default events in P2P lending have occurred frequently in recent years.In order to establish a perfect legal regulation system of online P2P lending,the status quo of legal regulation construction in the three areas of credit reporting system,industry self-discipline and government supervision is analyzed in detail from the perspective of international comparison.On this basis,a comparative analysis of the online P2P lending legal regulation system in China,United States and United States is conducted.Compared with United Kingdom and United States,China has problems in the three areas of credit reporting system,industry self-discipline and government supervision,such as the unsound legal system and unclear provisions.Finally,according to the comparative analysis,the shortcomings of China’s legal regulation construction are obtained,and the corresponding legal regulation suggestions are put forward.