2007-2015年,中国的P2P网络借贷行业经历了诞生到无序成长的过 程,由于国家对该行业监管的缺位,P2P相关案件发案率呈现了爆发式 增长,其中关于金融消费者权益保护的问题尤为突出.有鉴于此,本文从 P2P网贷行业的发展实情及监管概况出发,解析了监管中金融消费者权 益保护的必要性,指出为了满足网贷市场发展的需求、保证互联网金融 创新的进度、回应保障弱势群体的呼吁,需着建立良好的金融消费者保 护规则.同时,文章结合P2P民刑案件的特点,展呈了金融消费者权益保 障的现状,也挖掘了P2P网贷市场金融消费者保护的瓶颈问题.2016年 始,中国进入强化监管的行业整改阶段,为了构设科学监管的思路,文 章引介了英美P2P行业的监管经验,不仅如此,还在监管主体协作、监 管文本改进、监管工作实施三个方面提出了相关的完善建议,旨在将金 融消费者保障措施落到实处,促推互联网金融稳健发展.
From 2007 to 2015, China's P2P network lending industry experienced the procedure from emergence to disordering growth. Due to insufficient national supervision, P2P case incidence rate of the outbreak of growth, resulting in serious damage to financial interests of consumers. For this purpose, this paper starts from the development circumstance and supervision situation of P2P network lending industry, analyzes the necessity to protect the financial consumers’ rights and interests in supervision, and points out that the favorable protecting rules for the financial consumers shall be established so as to satisfy the development demand of network lending market, guarantee the innovative schedule of Internet finance as well as respond the appeal for guaranteeing the vulnerable groups. Simultaneously, combined with the characteristics of P2P civil and criminal cases, this paper reveals the current status of financial consumers’ right and interest protection and expounds the bottleneck problems of financial consumer protection in the P2P network lending market. China began to strengthen supervision and regulation of the industry in 2016. In order to construct the idea of scientific supervision, this paper analyzes the experience of P2P supervision in Britain and the United States. This paper puts forward some suggestions on coordinating regulators, improving rules, implementing them, implementing measures to protect financial consumers' interests and stabilizing the order of Internet financial.