淺談我國p2p網(wǎng)絡(luò)借貸平臺的監(jiān)管

1、學(xué)年論文題目：淺談我國P2P網(wǎng)絡(luò)借貸平臺的監(jiān)管學(xué)院商學(xué)院專業(yè)金融學(xué)班級2012級（3）班學(xué)號1223110122姓名龐詩婉指導(dǎo)教師譚春枝（教授）二〇一五年十二月二十九日目錄目錄一、我國P2P網(wǎng)絡(luò)借貸平臺監(jiān)管的現(xiàn)狀...............................1（一）我國P2P網(wǎng)絡(luò)借貸平臺監(jiān)管的發(fā)展進程........................1（二）我國P2P網(wǎng)絡(luò)借貸平臺在運營方面存在的問題............

2、......21、事前監(jiān)管不嚴..............................................22、事中監(jiān)管不到位............................................33、事后監(jiān)管空白..............................................3（三）我國P2P網(wǎng)絡(luò)借貸平臺存在的風險............................41

3、、信息技術(shù)風險..............................................42、信用風險..................................................43、洗錢風險..................................................54、非法集資風險............................................

4、..55、道德風險..................................................5二、國外P2P網(wǎng)絡(luò)平臺監(jiān)管的經(jīng)驗借鑒...............................6（一）成熟的信用體系............................................6（二）嚴格的準入制度和退出制度..................................6（三）完善

5、的政府監(jiān)管體系........................................6（四）公開的數(shù)據(jù)披露制度........................................7（五）利率由網(wǎng)站客觀制定........................................7（六）貸款人信息受到嚴格保護....................................7三、結(jié)合國外經(jīng)驗和我國實際構(gòu)建