Research On The Supervision Legal Of China P2P Intent Lending

P2P Internet lending is a recently created lending instrument that is different from standard financial intermediaries; it can be viewed as a transparent individual lending practices. Since its arrival to China in2007, P2P lending has being growing at a very rapid rate. It’s very popular amongst investors in China due to P2P’s efficiency and high return rate. This new form of lending instrument provided new opportunities for investor as well as borrowers. Its contribution to the economy and financial system cannot be overlooked.Although there are many great things about this instrument, there are some malpractices that are effecting this new market. Its growth in China can be describe as "out of control", with that it brings many moral hazards we see in the financial markets. There are many risks involved in P2P, and it is threatening the market’s existence. It is urgent to have an in-depth analysis to understand the market and set up regulations that can counter such problem. Furthermore, with the analysis and research on the case and data we hope to come up with valuable advices that are beneficial for the future.This article will be divided in to three parts:abstract, text and conclusion, within the text it will come across these content:1. Overview of P2P internet lending.2. Base on the basis and concepts to classify the business models within our country. As well as study the legal relationships involving P2P lending platform.3. Study the legal risks of P2P lending and introduce our country’s regulation on this area.4. Introduce foreign regulations on market of P2P and analyze parts where are beneficial to our countries. On the basis of discussion, analyze the feasibility of P2P network in China. It will include:establishing and improve the market stability, strengthen the investment process and relegations, fortify investors’awareness for risks to have rational investment and lastly, introduce credit mechanism.In conclusion, this paper provides a brief overview of P2P lending platform, and hope it contributes to the transformation of P2P network in China.