Research On The Supervision Of P2P Network Borrowing Market In China

P2P lending is the combination of traditional finance and spirit of the Internet a new kind of financial model, some of the characteristics of the emerging Internet financial, at the same time has made a further supplement to traditional financial sector. Compared with the traditional financial system, P2P lending patterns more transparent, simple process, easy to operate.According to the Can company consulting released 2015 annual P2P network credits, according to data by the end of 2015, the P2P lending volume as high as 1.18 trillion. Nearly 8 years of development has made the P2P lending industry in our country began to show some has the trend of the development of "Chinese characteristics". But under ultra-high speed, the growth of the crazy form, run and the difficulty of withdrawal, negative clouds hang over the whole industry. As the national economy gradually deepened financial dependence on the emerging model of the Internet, the Internet era is a comprehensive financial, prompting we must begin to attach importance to the Internet all kinds of risks existing in the financial model. P2P platform operation mode is different, can produce different risk characteristics, and these new things to increase certain difficulty to regulatory uncertainty. For each big P2P platform on the market today, how to control your risk, meet the demands of the already comprehensive regulation, also will become a development of the key issues.This paper first introduces the development status of P2P lending platform and development characteristics, combined with "rent" e case of events, analyzes the P2P platform risks. Based on the above analysis, puts forward some Suggestions for P2P industry supervision, according to different platform operation mode, its regulation should have different priorities. In general, the P2P industry in our country should establish perfect information disclosure mechanism, the complete credit reporting system and funds management mechanism, at the same time to perfect the relevant laws, P2P industry in industry self-discipline and enhance platform security technology, and fully ensure the security of P2P platform stable running.