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随着互联网金融的不断发展,国内P2P互联网借贷平台大范围兴起,同时诸多弊端也逐渐显露出来。而与中国P2P几乎同步兴起的欧美P2P网络借贷平台,早已被美国SEC纳入制度管理范围,进入稳健发展阶段。其发展顺利的原因也吸引着国内学者的不断研究,以全球业务量最大并已成功IPO上市的Lending Club最为典型。
With the continuous development of Internet finance, the domestic P2P internet lending platform has risen in a large scale, meanwhile many drawbacks have gradually emerged. With the rise of P2P in China almost simultaneously with the rise of Europe and the United States peer-to-peer P2P lending platform, has long been the United States SEC included in the scope of system management, entered a stable stage of development. The reason for its smooth development also attracts the continuous study of domestic scholars, Lending Club is the most typical and the world’s largest business and has successfully IPO.