The Legal Regulation Of P2P Network Lending In China

P2P network lending has swept the world since it first appeared in the UK on March 2005. In the context of financial innovation, our P2P lending are also experiencing the high-speed and large-scale development. P2P lending is a new financial model independence of the formal financial system. As a excellent private individual lending, to a certain extent, it satisfied the business needs of the consumer loan demand and public financial needs. Market-based system, credit system, technical system which complement traditional financial services in the market, but also have some reference for the formation of financial reform.Currently in China,P2P networks loans is in the early stage, many defects are in its process, our relevant legal system is unperfect, and the lack of effective legal regulation make it produce many legal risks. P2P lending as an innovative model of private finance, government and regulatory law is very necessary and urgent.The first part describes the overview of P2P Lending borrowing. Including concept definition P2P lending,P2P Lending origin,values,business model and legal property.Describes the theoretical basis for P2P lending regulation law,in order to well below the theoretical groundwork for the legal regulation.The second part describes legal nature and the legal relationship between the P2P network. The third part describes the necessity of P2P lending platform monitoring, analyzes the risk of lending platform P2P networks:legal risk, operational risk, securitization risk, disclosure risk. The fourth part is to study Other countries’ supervision and regulation, in order to provide experience for China’s legal regulation. Our P2P regulatory focus to address the following issues, ability to match risk, isolation the risk, regulation business and disclosure information.In details,it include clear regulatory authorities, improve the regulatory system and credit system.