Legal Regulation Of P2P Lending Platform

According to the display of navigation coming from net credit home of our country,the number of peer-peer network lending has increased in recent years and turnover has increased year by year.So it would become one of the most promising industry in the internet and finance field.But the number of monthly problem of the platform is the highest in history so that its potential risks and legitimacy of operation become a topic of concern. As early as 2011, the CBRC issued the notice about peer-to-peer lending related risk prompt that require the every department to prepair early warning and prevention of risk. But this notice does not thoroughly solve the net credit risk in our country. The study of this paper based on network lending platform of Chinese in order to seek healthy and orderly development in our country.The introduction the process of establishment, termination of business,file to investigate and recovered the money which the net to win the world experienced by case method.This lead to thinking of the industry regulation dilemma and put forward the necessity and urgency for effective legal supervision.The second part introduces the current situation of the development of the industry in China by empirical analysis and then introduces typical platform operating characteristics and the advantages and disadvantages.The third part analyses regulation dilemma of the industry rapid development of in our country in recent years and propose the legal factors choosing this investment lending by the historical analysis method.The fourth part analyse blind areas of legal supervision by combine knowledge of law with economics on the basis of the theory of the following:theory of asymmetric information, theory of transaction cost, the method of group theory.The fifth part introduce the legal system and analyse foreign related laws in order to find out the rule of legislation.Through the empirical analysis we want to seek legal supervision way conforming to our country economic characteristics.The writer of this paper use a lot of analysis methods and combine with the relevant theory of law,economics, sociology. It regards the central bank and the national law enforcement authorities to as a regulatory body.At the same time it absorbs the industry association as after time regulatory departments.Although foreign related legal mentioned, excessive regulation has shown some negative effect due to the early development of the industry.So this article does not copy foreign legislation. The thesis proposes related legal advice according to the situation of our country by promoting national economic macro-control so it has very good application.