| 關 鍵 詞： |
P2P 借貸；網路借貸；網路平臺；金融監管；法律經濟分析 |
| 中文摘要： |
二○○五年的英國「ZOPA」公司提供了第一個網路借貸（P2P）平臺，隨後美國的亦開始提供 P2P 借貸的服務，至二○○七年時，中國也開始出現 P2P 平臺，且整個行業規模快速成長，但同時也出現很多問題平臺，導致投資人對 P2P 借貸產生不信任。臺灣是否可以提供 P2P 平臺，一直因為法規而有所疑義，本文將著重於此服務的監管方式及未來的發展。
在中國的 P2P 借貸行業發展經驗中，出現各種問題平臺，臺灣是否應該准許 P2P 借貸平臺的開放，或是應對 P2P 借貸平臺做甚麼程度的管制，本文希望以比較他國法規與監管的方式，並加上法律經濟分析，瞭解 P2P 借貸未來在臺灣的發展方向。
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| 英文關鍵詞： |
P2P Network Lending；P2P Lending；P2P Platform；Financial Regulation；Economic Analysis of Law |
| 英文摘要： |
Original P2P (peer to peer) network platform was established by “ZOPA” in United Kingdom in 2005. In the same year, the P2P platform was also established in the United States. The first P2P platform in China was provided in 2007, and the industry burst into bloom and caused many trading disputes in the meanwhile. However, because of the regulations, if the P2P platform is legal in Taiwan? It is an issue. The development and supervision of P2P platform will be mentioned in the following paragraphs.
This research will analysis the influence to the P2P industry. Should P2P lending be allowed or regulated in Taiwan? How can the Taiwanese authority regulate it efficiently? After comparing the regulations in other countries to Taiwan, using the law and economic analysis method, this research will offer some suggestions to the Taiwanese P2P industry.
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| 目 次： |
壹、前言
貳、P2P 借貸介紹
參、外國監理方式
一、美國
（一）Howay 案
（二）Reves 案
（三）P2P 借貸性質之認定
二、英國
三、中國
肆、我國未來可能的監理方式
伍、結論與建議
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