中美P2P网络借贷平台模式比较分析被引量：6

Comparative analysis of Chinese and American P2P internet lending platform model

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摘要运用比较分析和案例分析的方法,以中美两国P2P网络借贷平台以及各自具有代表性的公司为基础,从发展模式、运营模式和监管模式等方面进行系统比较,梳理目前中国P2P网络借贷行业发展中出现的问题,总结美国P2P行业发展中的优秀经验供中国借鉴,包括加快征信系统建设、提高行业准入门槛、加强各监管部门的作用。 With the methods of comparative analysis and case analysis, the representative P2P plat- forms of China and the U.S. are compared on the development mode, operation mode and supervi- sion mode and so on. Problems in Chinese P2P network lending industry are analyzed. Good experi- ences in U. S P2P industry are also summarized. These experience are worthy of our reference such as speeding up the establishment of the credit system, raising the access threshold for the industry, and promoting the functions of supervise departments.

作者王铁山康云鹏潘昱璇 WANG Tieshan KANG Yunpeng PAN Yuxuan(School of Management, Xi＇an Polytechnic University, Xi＇an 710048,China)

机构地区西安工程大学管理学院

出处《西安邮电大学学报》 2016年第5期80-87,共8页 Journal of Xi’an University of Posts and Telecommunications

基金国家社科基金项目(16XJY020) 陕西省社科基金资助项目(2015D011) 陕西省社科界重大理论与现实问题研究项目(2015C053) 陕西省统计科学研究项目(2016LY08) 陕西省软科学项目(2014KRM25 2015KRM031) 陕西省高校哲学社会科学重点基地研究项目(14JZ017) 西安工程大学哲学社会科学研究项目(2016ZXSK30) 西安工程大学博士科研启动基金资助项目(BS1423) 西安市社科基金重点资助项目(16Z06)

关键词互联网金融网络借贷 P2P 金融监管 internet finance,internet lending, peer to peer, financial supervision

分类号 F832 [经济管理—金融学]

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