从“e租宝”案探析中国P2P网络借贷规制
Analysis the Regulation on Chinese Peer-to-Peer Lending from a Case Study of eZubao
Abstract
我国在P2P网络借贷行业发展初期并没有制定具有针对性的法律法规对其进行限定和监督，并且国家鼓励、支持互联网金融的创新发展，P2P平台数量疯狂增长，成交量连年成倍攀升。然而，正是因为法律法规长期存在空白，监管部门也不明确，监管手段少且缺乏力度，P2P网络借贷平台运营存在多处弊端，行业自律不严，加之广大投资者缺少投资理财和金融风险知识，贪欲过高，使得P2P行业庞氏骗局、非法运营、集资潜逃、倒闭等问题频频爆发，加强行业的治理已经成为政府、监管部门以及社会大众的共识，是互联网金融监管工作的首要任务。本文从颇具影响力的“e租宝”案展开论述，在案件研究的基础上，分析我国P2P网络借贷行业的违法现象，梳理国... China didn’t enact specific laws and regulations to limit and supervise P2P industry in the early time, encouraged and supported Internet finance’s innovation. P2P platforms grew insanely, at the same time, trading volume rose over the years. However, because of laws and regulations’ blank in a long time, supervisors’ weak supervision, lacking of powerful supervision measures, P2P platforms exist ...