Research On Regulation Law Issues Of P2P Lending Platform In China

P2p Lending Platform is a product of the combination of the Internet and folk loan. Because of its flexibility, convenience, simple procedures, lowloan threshold, considerable profit etc., when it was introduced into our country, it got rapid development and already had a sizable scale. However, problems ofp2 p lending platformappeared frequently, such current cases as loans of “Taojin”, “Tianli”, “Jiajia”, “Guangdaxintou’. All these are cases that lawbreakers make off with money, which have aroused widespread concern among all the sectors of society. The arousing of these problems is a reflection of the market failure. Market itself has deficiency. If we let the mark et operate only in accordance with its will, it is possibly easy to lead to the ignorance of social benefit. Therefore, here comes the supervision from government. With the help of the government,thep2 p lending platform can get a healthy development and play its social responsibility of benefiting financial sector better. At present, there is a black space in Internet and financial legislation includingp2 p lending platform in China. Thep2 p lending platform is at the gray zone of lawful supervision. Looking around, not only Britain and the US, but Germany and France, they have set specialized institutions supervisingp2 p lending platform and have worked out a series of supervision regulations so as to achieve a good development inp2 p lending platform. From their experience, it can be concluded that China should perfected its supervision systems and regulations inp2 p lending platform through the following four aspects. Respectively, theprinciple of supervision law system, the establishment of supervision law sy stem, the confirmation of the supervising subject and the content of the supervision 。...