毕业论文题目：我国P2P的发展现状及法律规制学院：人文社会科学学院专业班级：法学专业2014级2班指导教师：金邦庆职称：副教授学生姓名：马梦凡学21407010203摘要P2P网贷毫无例外的与所有的新兴行业及企业经历着相同的生命周期。从萌芽到扩张，收缩，直到稳定的发展局面。不同的国家在P2P网贷的问题上也有着截然不同的监管方式和法律法规，在我们国家也应对本国的P2P监管模式以及法律法规进行探究。本论文共分五章。第一章是关于P2P的介绍以及与其贷款方式的比较：第三章是国外P2P的管理及相关规定：第二章与第四章为全论文的重点，则是对我国P2P的发展现状提出存在问题并结合法律法规对存在问题进行解释及维权；第五章是写P2P网贷的未来发展。随着P2P行业日趋成熟的发展，它将与“监管真空期”和“野蛮生长期”疏离，从而转型和净化，清楚P2P平台理想与现实的差距，最终实现罗伯特希勒心中“金融与美好社会”的互联网金融时代的大创新。关键词P2P,问题平台，风险因素，借贷网络平台ABSTRACTP2P network to borrow without exception of experiencing the same with all ofthe emerging industry and enterprise life cycle.From germination to expansioncontraction,until a stable development situation.Different countries on the issue ofP2P network credit also has a very different way of regulation and laws andregulations and also deal with the country's P2P regulatory model in our country andexplore the laws and regulations.This thesis is divided into five chapters.The firstchapter is about the introduction of P2P,and the comparison of its loan.The thirdchapter is a P2P abroad management and related regulations;The second chapter andthe fourth chapter is the focus of the whole thesis,it is about the present situation ofthe development of P2P in China put forward existing problems and combined withthe problems in the laws and regulations to explain and rights;The fifth chapter is towrite the future development of P2P network is borrowed.With the development of the P2P industry it will be alienated from the'regulatory vacuum period'and 'barbarous growth period',thus transforming andpurifying,and clarifying the gap between the ideal and reality of the P2P platform.Finally,it will realize the great innovation of the Internet financial era in the heart ofLuobotexile's 'Finance and a Beautiful Society'.KEY WORDS P2P,problem platform,risk factor,loan network platform