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目次一、问题(一)P2P网络借贷及运作模式(二)P2P网络借贷的风险与问题二、美国对P2P贷款的法律监管(一)对Prosper贷款平台的界定(二)关于Prosper发放的借款票据的分析(三)Prosper案件中涉及的法律事项分析(四)美国对P2P贷款监管的基本结论三、对我国P2P贷款的理论分析(一)网络时代的金融脱媒对体制的冲击(二)从个人借贷到P2P网络贷款:金融市场的统一性不可分割(三)对贷款平台的分析:从借贷合同的角度四、P2P贷款对我国金融监管体制的挑战(一)直接融资和间接融资的理论划分造成了金融市场的割裂(二)法律对金融业务缺乏概括性,金融抑制严重
(A) P2P lending and operation mode (II) Risks and Problems of P2P Network Lending II. Legal Supervision of P2P Loans in the United States (I) Definition of Prosper Lending Platform (II) About Loan Notes Issued by Prosper Analysis of Legal Matters Involved in Prosper Cases IV. Basic Conclusions of US Supervision of P2P Loans III. Theoretical Analysis of P2P Loans in China (I) Impact of Financial Disintermediation in the Internet Age on the System II. From Personal loans to P2P network loans: the indivisibility of financial markets can not be separated (three) the analysis of the loan platform: From the perspective of loan contracts Fourth, P2P lending challenges to China’s financial regulatory system (A) direct and indirect financing of the theoretical division Resulting in the fragmentation of the financial markets (b) the lack of law on the financial business summary, serious financial repression