The Research About The Legal Regulation On The Operation Of P2P Lending Platform

Online P2 P lending platform is a kind of Financial information intermediary that is based on Internet technology, and it is the product of financial innovation combined with the development of the Internet. With its convenient operation, low threshold, high yield, online P2 P lending platform Developed rapidly and it has become the important supplement of traditional financial system in our country. In recent years,due to the imperfect system of financial regulation and the weak point of the market mechanism, the operations of online P2 P lending platform encounter many problems in our country. Based on this, the condition that a large number of platforms collapse has affected the healthy development of financial industry. Based on the reference of existing research results and the present situation of the development of P2 P lending platform in China, the article analyze the problems of Online P2 P lending platform in the process of operation and put forward regulatory Suggestions from the legal perspective. This paper including three sections: introduction, body and conclusion.Apart from the introduction and conclusion, the thesis consists of four parts.Part one is the overview of the online P2 P lending platform.First,the article defines the concept of online P2 P lending platform:P2P lending platform is a non bank financial conduit company that is based on the Internet,and its The core business is to urge the lender and the borrower to reach a loan contract and to perform the contract.Second, the characteristics and value of online P2 P lending platform are discussed. Finally, this paper introduces the present situation and the status quo of the regulation about the online P2 P lending platform in our country.Part two analyzes the problems of Online P2 P lending platform in the process of operation.The operation of Online P2 P lending platform includes the establishment, operation and exit. And According to the above three stages,the artical discusses some topics such as the lack of reasonable standards of the establishment,the confusion of the scope of business,the distemperedness of the supervision mechanism,the distemperedness of the risk control system and the shortcoming of the rehabilitation system.Part three describes the status quo of the regulation about the online P2 P lending platform in Britain and American. first, the article discusses the external regulation and industry self-discipline. Second, according to three aspects including the credit system construction, government regulation, industry self-discipline, this paper summarizes enlightenment brought to us by the regulation system of Britain and American.Part four puts forward the legal countermeasures to consummate operating mechanism of online P2 P lending platform. According to the problems of online P2 P lending platform in the process of operation, this paper made the relevant legal countermeasures such as formulating reasonable standards of establishment, clearing the behavior boundary of platform, consummating the supervision mechanism, establishing a sound risk control system, establishing the employment restriction system, establishing the the rehabilitation system of the lending business.