Legal Problems And Countermeasures On The Development Of P2P Network Credit Operations In China

In early 2005, the third part payment on internet brings a new model to the virtual world of message.P2P lending arise in China at 2007, P2P network in the information age network financial credit platform set up purpose relying on traditional folk loan, its main business goal is to contribute to microfinance, in borrowing compared with traditional big Banks in the financial industry, P2P platform audit threshold is low, the borrowing rate is high, convenient application and lending time is quick and efficient, there is no doubt that this is difficult to bank loans for small and medium-sized enterprises and individual audit under the situation of opens a high efficiency and convenient channel. Thus founded the first P2P only after five years of experience, net credit platform was set up in the our country has reached more than 2000, in the process of rapid growth, net credit platform innovation model began to impact the traditional finance, bank lending to many small and medium-sized customers are turning to the network, but our regulatory system did not appear on its legal status confirmation, cope with the restriction of laws and administrative regulations, in a state of absence for a long time, these external relaxed environment and P2P network platform loan lending to its own technology and moral hazard problems in P2P network platform in the development of alienation is out of a variety of business model, in, under the influence of platform have been running mode to violate the law or other infringement defaults.This article will borrow from part three introduces P2P network platform and aiming at the problems of perfect. The first part from lending to P2P network platform development at home and abroad to introduce the concept and basic operating framework, in this will list the operation mode of the P2P lending platform in our country at present. The second part based on our domestic situation, adhere to the principle of consistent subjective and objective, is discussed in detail from two aspects of the platform itself and the outside world platform the existing defects and other problems. The third part of this paper, based on the second part from the supervision system, credit system and risk control to give perfect advice.