Research On Legal Issues Of Internet Lending’s Risk And Supervision System

The paper is major on research and study for operational risk, involving marketrisk, institutional risk, regulatory risk, credit technology risk, of Internet Lending,involving P2P lending, E-commerce microcredit, credit suggest, ect. And the paper’sanalysis combines with Internet Lending cases, such as Paipai Lending, Yixin, AliMicrocredit, credit suggest operated by Hongling Capital to research relevant legalissues on Internet Lending’s institutes and behavior. Then the paper proposes legalideas and specific operational approach of risk supervision.Excepting for preface and epilogue, the paper divides into four sections:First section focuses on introducing general situation of Internet Lending. Thesituation is major on three aspects: Internet Lending’s connotation, the developmentand types of Chinese Internet Lending, Internet Lending’s risks. The connotationinvolves Internet Lending’s definition, distinguishing with traditional internet lendingand relevant confusing concepts. Secondly, the paper sets forth Chinese InternetLending’s emerging and developing process. Moreover, the section divides the currentInternet borrowing according to the types of different standards. Lastly, it is emphasison borrowing four kinds of risks faced by Internet Lending.Second section focuses on relevant theory analysis for Internet Lendingsupervision. Firstly, the thesis is discussed on the necessity of Internet Lendingsupervision. Then the author presents Internet Lending’s legal relationship, Internet Lending platform’s legal status, and lending activities’ legal limitation. Lastly, thethesis sets forth three principles for innovative financial regulation: investor’sprotection, financial safety and financial efficiency. The chapter’s emphasis is ondefining controversial legal issues, and on the basis, the chapter presents supervisionprinciples to guide the establishment of the regulatory system.Third section expounds the development of foreign Internet Lending, andAmerican and British’s Internet Lending Supervision.Forth section sets forth the suggestions for the construction of Internet Lendingregulation. In front of the system construction, the chapter firstly discusses theChinese Internet Lending regulatory status, then discusses Chinese Internet Lendingregulation mode choice, and suggests on improving credit reporting system which isthe supporting system for the supervision system. Finally it puts forward suggestionsfor the investor protection.