Research On Legal Supervision Of P2P Network Loan In China

Peer-to-Peer Lending is a typical representative of Internet financial loan, the "Internet+" entrepreneurship as a widely innovation important patterns of today,in prosperous folk loan financial markets and promote the development of financial democracy, achieve financial disintermediation, pratt & whitney aspects such as finance, encourage financial innovation is of great significance.Borrowing but as a kind of new network pattern, its market access threshold is low, the supervision system lag, in recent years has been a "crazy", in for investing and financing benefit and efficiency at the same time, also exposed a series of problems, especially e rent treasure problems such as the collapse of the platform, the height of the government and society attention.To strengthen the supervision of network borrowing, effectively restrain the harm, play to its positive social utility, become the current hot topic.The United States, Britain,South Korea, Japan,there was some difference of regulation of Peer-to-Peer Lending is borrowed, but the regulation of Peer-to-Peer Lending credit industry are relatively perfect, the Peer-to-Peer Lending credit risk prevention more successful, the very same goal.They are part of the regulation of business is worth absorbing in our country, should give full play to the role of the industry self-discipline supervision;Based on principles of behavior regulation, multi-sectoral joint regulation;To strengthen the information disclosure and information security protection.The current Peer-to-Peer Lending in our country credit legal regulatory agencies and their responsibilities are not clear;Imperfect legal system of market access and exit;Information disclosure and protection of the legal system is not sound;Lack of funds safety standards;Industry self-discipline supervision.Therefore, need to be further clear regulatory agencies and their responsibilities;Perfect the legal system of market access and exit;A sound system of information disclosure and protection of the law;Establish a fund third-party depository system;Strengthen industry self-discipline supervision.