P2P industry is booming and growing, but exists a series of problems due to the regulation absence. Zopa is dedicated to promote the P2P regulation as well as the self-regulation in P2P industry in UK. Prosper Marketplace and Lending Club are facing the high regulation cost under the SEC regulation in US. Dodd-Frank Act gave a new opportunity for P2P industry in US. As a representative of developing countries, India still holds prudential and conservative supervision for P2P lending. Based on the analysis of P2P regulation of foreign experiences and Chinese P2P institutions multiple features, the People’s Bank of China should play as a leading role. China Banking Regulatory Commission also needs to exert important influences on the P2P regulation, as well as combine the closely cooperation with local governments, the Administration for Industry and Commerce and Ministry of Information Industry.
张欣. 中国P2P小额信贷中介服务行业法律监管研究[J]. 浙江工商大学学报, 2013, (6): 49-58.
ZHANG Xin. A Research on the Regulation of Peer-to-Peer Lending in China. Journal of Zhejing Gongshang University, 2013, (6): 49-58.