Study On The Supervision Of China’s P2P Network Lending Platform

P2P net loan platform refers to both lenders and borrowers through the Internet as a medium, through the development of appropriate trade standard, a loan contract has legal effect,to meet the needs of the debit and credit intermediary platform. P2 P network credit platform since 2007 was introduced into China has been dormant for many years, and finally in 2013 a sudden, explosive progress, not only in the quantity and the size of the transaction platform has been a qualitative leap. However, in the P2 P platform, the future looks bright as the platform collapse, Run away events emerge in an endless stream, people pay more and more attention to the importance of supervision, supervision and how to begin to explore whether regulation.This thesis consists of three parts:The first chapter of the main operation mode of China’s existing three loans P2 P network platform are introduced. To lay the foundation for the later discussion of three kinds of common risks and special risks model.The second chapter the author elaborated our country now P2 P network lending platform regulatory status and problems. In the supervision of the supervision of social media guide, in this paper, the theory circle of our country on the P2 P platform need regulatory proposals and suggestions; second is the legal supervision. In our country there is no system of P2 P supervision legal system, notify the peer-to-peer lending risk relates to the legal regulation of the content of P2 P in addition to the existing laws and regulations is the CBRC "prompt".Finally, other regulatory mode of China P2 P platform, mainly by private lending registration,apply for financial information service qualification and industry self regulatory organization.In the regulatory problems, the author summarizes the four regulators, respectively is: the network of P2 P lending platform regulatory legal system is not perfect; the supervision P2 P net loan platform specialization pattern has not yet formed; China’s credit system and the defects of the self-discipline supervision organization defects.The third chapter is the analysis of the necessity of supervision of credit P2 P network platform, there are three aspects: one is the P2 P currently existing three modes of the common risks and special risks.. The two is that the development of the traditional financial supervision mode is not applicable to the P2 P net loan platform. The three is in contact with the inclusivefinancial background, this paper expounds the construction of P2 P net loan platform regulation contribute to inclusive finance.The third chapter is the construction and improvement of P2 P lending platform network monitoring system. The construction and perfection of the legal system, supervision of the multi-level regulatory system and the credit system.