| 摘要: | 隨著全球金融科技的迅速發展，P2P網路借貸平臺的商業型態作為金融科技的產物也在全世界廣泛流行，為了瞭解P2P平臺發展、面臨的問題及其影響的重要性，本次研究從P2P借貸的起源、演變及其在不同國家的實踐，搭配金融、網路科學及法律等多個學科領域的研究觀點出發，分析P2P網路借貸平臺的全球發展趨勢、業務模式、交易模式及其帶來的風險與效益，以奠定後續深入探討的基礎。接著從國際視角出發，分析英國、美國、韓國及中國等主要國家，在面臨新興融資模式對傳統金融體系造成衝擊與發生爭議事件的法律規範及應對措施，揭示各國家在監管法制與政策的成功經驗與挑戰。
由於2023年台灣發生不動產借貸媒合平臺im.B的違法事件，P2P產業的監理問題再度受到各方討論與關注。然而，由於我國未明確定義產業樣態、規模與針對產業確切的管理框架等一系列問題，因此本文剖析台灣P2P借貸平臺的產業現狀、商業模式、爭議事件與現行採取的監理模式，進一步研析目前P2P產業面臨的監管挑戰，並藉由他國經驗，探索其他可能有效的監管機制，以期對我國P2P網路借貸的相關研究與政策制定提供有價值的見解與建議。;With the rapid development of global financial technology, the business model of P2P online lending platforms, as a product of financial technology, is also widely popular around the world. In order to understand the development, problems faced by P2P platforms and the importance of their impact, this study starts from P2P The origin, evolution and practice of lending in different countries, combined with research perspectives from multiple disciplines such as finance, network science and law, analyzes the global development trends, business models, transaction mechanisms, and associated risks and benefits of P2P online lending platforms to lay the foundation for subsequent in-depth discussions. Then, from an international perspective, we will analyze the legal regulations and countermeasures of major countries, such as the United Kingdom, the United States, Korea, and China, in the face of the impact of emerging financing modes on the traditional financial system and the occurrence of disputes, so as to reveal the successful experiences and challenges of the legal systems and policies of each country in terms of regulation.
Due to the illegal incident of the real estate lending matching platform im.B in Taiwan in 2023, the supervision issue of the P2P industry has once again attracted discussion and attention from all parties. However, since our country has not clearly defined a series of issues such as industry shape, scale, and exact management framework for the industry, this article analyzes the industry status, business model, disputes, and current supervision models of Taiwan’s P2P lending platforms to further analyze The current regulatory challenges faced by the P2P industry, and other potentially effective regulatory mechanisms are explored through the experience of other countries, in order to provide valuable insights and suggestions for relevant research and policy formulation of P2P online lending in Taiwan. |
