지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
이용수
초록· 키워드
오류제보하기
P2P lending means a direct financial transactions between individuals through the Internet. P2P lending refers to services that lend the money attracting investment from unspecified number of people at a reasonable rate of interest to people who want a loan. P2P lending is, corresponds to the loan type crowdfunding, in that they take advantage of the social network, is also referred to as a Social Lending.
P2P lending will be to determine the lending of whether or not to analyze, such as big data and a variety of transaction information on the social media. Low rating who has not been beyond the high system-speaking financial hurdles can borrow money at lower interest rates lenders interest rates. P2P lending is also the standpoint of small investors of individuals, there is an advantage in that get to return a higher interest rate than the interest rate of the low interest rate like as bank deposits and savings. P2P lending company, it is possible to obtain a fee through the role of intermediary between investors and lenders. For this reason, the United States and the United Kingdom, such as developed countries, of course, it is the situation that P2P lending market is growing rapidly riding a pin tech boom in China.
Currently, each country has the purpose to expand the P2P lending, but the level and the attitude of the national regulations for this is slightly different. For P2P lending, US regulatory attitude on the JOBS Act to exempt from the strict registration system towards the development of free industry. But the Japanese regulatory attitude to P2P lending, request the registration of the so-called loan Business Act. For more reasonable regulatory attitude, it shall be determined by taking into consideration the protection of consumer and the level of the development situation of the Korean P2P market. However, according to the general study of the case of P2P lending, currently the need for consumer protection is relatively low because it is considered that the reasonably low of capital loss in the P2P lending market. Considering this, regulations for strict consumer protection for P2P lending is considered to be not necessary at the moment. It is considered to be going to be one of the alternatives non-registration system of US-style than the registration system of the Japanese-style. However, if we select the so-called non-registration system as one of the legislative alternative, it should not fall into the sidelines or no restrictions on P2P market.
For P2P lending"s development, such as the activation of the market incentive policies and reasonable regulation attitude of the English-style is desirable. Support of overall government for this industry must be made. For example, tax-free policy to the imports by P2P lending as the United Kingdom is considered to be in at least until the industry reaches a certain orbit. There is a meaning as an incentive system necessary. In addition, P2P lending is different from traditional banking, in any plane to a new financial sector that can be responsible for a division of finance, there is need to the prudential supervision like as banks. Restrictions on P2P lending in principle enhance the industry, but put that focus, it is considered to be placed to build the safety of the foundation that the innocent victim does not occur.
P2P lending will be to determine the lending of whether or not to analyze, such as big data and a variety of transaction information on the social media. Low rating who has not been beyond the high system-speaking financial hurdles can borrow money at lower interest rates lenders interest rates. P2P lending is also the standpoint of small investors of individuals, there is an advantage in that get to return a higher interest rate than the interest rate of the low interest rate like as bank deposits and savings. P2P lending company, it is possible to obtain a fee through the role of intermediary between investors and lenders. For this reason, the United States and the United Kingdom, such as developed countries, of course, it is the situation that P2P lending market is growing rapidly riding a pin tech boom in China.
Currently, each country has the purpose to expand the P2P lending, but the level and the attitude of the national regulations for this is slightly different. For P2P lending, US regulatory attitude on the JOBS Act to exempt from the strict registration system towards the development of free industry. But the Japanese regulatory attitude to P2P lending, request the registration of the so-called loan Business Act. For more reasonable regulatory attitude, it shall be determined by taking into consideration the protection of consumer and the level of the development situation of the Korean P2P market. However, according to the general study of the case of P2P lending, currently the need for consumer protection is relatively low because it is considered that the reasonably low of capital loss in the P2P lending market. Considering this, regulations for strict consumer protection for P2P lending is considered to be not necessary at the moment. It is considered to be going to be one of the alternatives non-registration system of US-style than the registration system of the Japanese-style. However, if we select the so-called non-registration system as one of the legislative alternative, it should not fall into the sidelines or no restrictions on P2P market.
For P2P lending"s development, such as the activation of the market incentive policies and reasonable regulation attitude of the English-style is desirable. Support of overall government for this industry must be made. For example, tax-free policy to the imports by P2P lending as the United Kingdom is considered to be in at least until the industry reaches a certain orbit. There is a meaning as an incentive system necessary. In addition, P2P lending is different from traditional banking, in any plane to a new financial sector that can be responsible for a division of finance, there is need to the prudential supervision like as banks. Restrictions on P2P lending in principle enhance the industry, but put that focus, it is considered to be placed to build the safety of the foundation that the innocent victim does not occur.
#P2P 대출
#광의의 클라우드펀딩
#클라우드펀딩
#대출형 크라우드 펀딩
#소셜렌딩
#핀테크 서비스
#P2P 대출산업
#융자형 클라우드 펀딩
#대출 중개서비스
#P2P 대출에 대한 규제 필요성
#P2P 대출의 금융업에서의 위치
#P2P 무담보 온라인 소액대출플랫폼
#온라인 소액 대출플랫폼
#P2P 대출이자의 규제
#Reasonable Restrictions on P2P Lending
#P2P Lending
#Social Lending
#loan type crowdfunding
#strict registration system
#non-registration system of US-style
#registration system of the Japanese-style
#tax-free policy to the imports by P2P lending
#prudential supervision
목차
Ⅰ. 서론
Ⅱ. P2P 대출시스템과 실태
Ⅲ. P2P 대출에 대한 규제필요성의 검토
Ⅳ. 각국의 P2P 대출 현황과 그에 대한 규제
Ⅴ. P2P 대출에 대한 합리적인 규제 방안
Ⅵ. 결론
참고문헌
Abstract
참고문헌 (72)
참고문헌 신청
[기타자료] - 김문진 / 2015 / 美 헤지펀드 엘리엇 삼성물산 지분 매입, ‘먹튀논란’ 부상 / 뉴스엔뷰
[학술지(정기간행물)] - 김연미 / 2012 / 벤처창업과 크라우드 펀딩(Crowdfunding) / 정보법학 16 (2) : 1 ~ 21
[기타자료] - 민지에 / 2016 / 황이핑(黄益平): P2P, ‘정보플랫폼’의 양대 난제로 정의해야 / News中國
[기타자료] - 박정경 / 2015 / 새 금융서비스 ‘P2P 대출’… 급전 수요자-소액투자자 개인간 온라인 연결 / 문화일보
[기타자료] - 백웅기 / 2015 / 中, ‘빚내서 주식투자’ 인터넷대출 규제 강화 / 연합인포맥스
[학술지(정기간행물)] - 김연미 / 2012 / 벤처창업과 크라우드 펀딩(Crowdfunding) / 정보법학 16 (2) : 1 ~ 21
[기타자료] - 민지에 / 2016 / 황이핑(黄益平): P2P, ‘정보플랫폼’의 양대 난제로 정의해야 / News中國
[기타자료] - 박정경 / 2015 / 새 금융서비스 ‘P2P 대출’… 급전 수요자-소액투자자 개인간 온라인 연결 / 문화일보
[기타자료] - 백웅기 / 2015 / 中, ‘빚내서 주식투자’ 인터넷대출 규제 강화 / 연합인포맥스
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UCI(KEPA) : I410-ECN-0101-2017-360-001293149