On The Legal Regulation Of P2P Lending

With the rapid development of network times and the booming of Internet financial, lending to P2 P network arises at the historic moment. Its emergence has many small and medium-sized enterprise financing difficulties ease, also facilitate the brief needed money individual borrowing channels. Although P2 P network in lending in the development of our country, but there are still many deficiencies, combined with China’s relevant laws and regulations is not sound, lack of effective supervision mechanism, lead to P2 P lending no clear legal definition and control, its development is in a state of disorder. So, clarify the legal status of P2 P lending platform, puts forward effective regulatory measures, is the healthy and orderly P2 P lending, the key to the development of specifications, this is also this paper focuses on the problem.This paper mainly studies the following four parts:The first part mainly research on the basic theory of P2 P lending. In this paper, theoretical analysis was carried out on the basic concept of P2 P lending, and the development of P2 P lending system, understand the background and tendency of the development of P2 P lending. This paper argues that the P2 P lending can rapid development of our country, there is a reason and background, how to meet the demand of private lending at the same time, its development and specification, finance and law is an urgent need to study the problem.The second part is mainly about the present situation of our country legal risks existing in the P2 P lending and the reasons were analyzed. This paper argues that, at present, our country the development of the P2 P lending while in the process of rapid development, but overall is still in its infancy,since there is no corresponding legal regulations, there are many legal risks. The part of our country legal risks existing in the P2 P lending causes were analyzed, and can improve network borrowing of the legal regulation in China in the future to offer help.The third part discusses the present situation of the P2 P lending oversight and reference to our country. This part is mainly about the P2 P lending patterns, regulatory agencies, regulatory and legal basis, such as analysis, analysis of the advantages and disadvantages, and according to the situation of our country, put forward reference enlightenment to our country.The fourth part discusses to perfect our P2 P lending the path of the legal supervision. In the P2 P lending in China is the main legal issues, the improvement of the targeted Suggestions are put forward. Include: clear regulators, establish corresponding laws and regulations, perfecting the credit system, establish industry association, etc., aims at contributing to the healthy development of the P2 P lending in China.