Research On P2P Network Loan Supervision System In China

In recent years, due to China’s financial system is too single, the tightening of monetary policy of the people’s bank of China, as well as the Internet rapid development of finance and trade in our country, the people began to sprout from lending to network platform. Small micro enterprise, on the other hand, the three types, and personal capital demanders, agricultural areas, it is difficult to get loans is a worldwide difficult problem. Online P2P Loan’s model is to collect the social idle funds, fund can even small to fifty dollars, then the money out to the three kinds of financing difficulties of demanders. In this mode, the investors can put your own idle funds to invest, and investment threshold is low, the network credit platform can greatly limit the use of the funds, to individuals, small micro enterprises and the development of the agricultural sector to help stimulate the economy development in an all-round way.Online P2P Loan is a new kind of financial model, its operation mode is the third party network platform, investors will be idle funds lent to borrowers, and pay Interest expenses to the platform. In 2005 the British set up the world’s first platform, Online P2P Loans in our country also appeared a P2P platform after two years, once established, immediately caused an investment boom, industry rapid development speed. However, rapid development has brought the turnover is increased, and the other a kind of phenomenon is constantly collapsed platform, run platform operators, management confusion, the platform quality good and bad are intermingled. How to use legal means to regulate P2P became all network financial industry one of the focuses of the practitioners and regulators. This article first chapter first introduced the present domestic research review, this paper expounds the research significance, this paper introduces the domestic research situation of P2P and writings, and then in the second chapter introduces Online P2P concept and the background of the causes for the loan. This part mainly introduces the development history and present situation in our country, and analyzes the P2P loans in the future the trend of development in our country. This paper introduces the features of P2P loans, on the basis of some analysis for the difference between the traditional loan and P2P loans. Was introduced in the third chapter, loans of the four representative network platform business model, namely, ali pouch, on loan, loan appropriate letter P2P lending platform, red hill throws the four kinds of operation mode, analyses the working principle of each platform, and risk control measures, in order to show a visual problems of existing Online P2P platform in China. The fourth chapter, analysis the current problems faced in the development of P2P loans in our country, and analyses the reasons, find out the crux of the Online P2P Loans in our country. The fifth chapter, according to the previous chapter on the analysis of the P2P platform, combining with the bund in 2014 the latest academic views on financial summit, in draw lessons from foreign experience on the basis of P2P loans, the author attempts to put forward to perfect our Online P2P platform loan regulatory Suggestions.