The Research On The Legal System Of A2P Investment And Financing Platform

In the era of the state encourages public entrepreneurship and the development of the real economy recovery, many small and medium enterprises are facing a shortage of funds, corporate financing difficulties and other problems; on the other hand, social idle funds in the hands of individual public gradually increased, the increasing popularity of financial sense, but also increasingly strong desire to invest. How will social idle funds together, and strong demand for the real economy sector, which became the first Internet investment and financing platform Motives generated. Since SMEs less encumbered assets, the credit rating is not high, the industry Loan approval procedures are complex stringent and other reasons, the demand for commercial bank financing of SMEs is gradually weakened, instead seeking other diversified financing channels; at the same time, the popularity of the Internet and the development of computer technology, information transmission channel patency other reasons, making funds directly transported to financing from investors who end as possible, A2 P investment and financing platform emerged and rapidly grow in the market. It mainly with the current development status A2 P investment and financing platform to reality A2 P investment and financing platform for the development of risk that may be encountered and is entitled foothold, and trying to explore from a legal perspective to analyze and deal with the problems related to proposed specification recommends.Overall, in addition to the introduction and conclusion of this article, the full text is divided into four parts:The first chapter, this chapter describes the basic theory integrated A2 P investment and financing platform. The author of the connotation A2 P investment and financing platform to carry out simple exposition, and then analyze their legal nature and location; then by comparison with other Internet financing platform for investment and financing platform A2 P do deeper analysis; and then analyzed by platform Causes basis and legitimacy of this model a reality of doing business, and the general description of the role of the core values of investment and financing platform A2 P exist.The second chapter, this chapter focuses on the internal legal relationship A2 P investment and financing platform for detailed analysis. From the perspective of the author A2 P participants starting investment and financing platform, streamline business contacts between the various participants, and summarizes the relationship between the intermediary service contract which contains a plurality of credit transfer service legal relationship contractual relationship, factoring contractual relationship for platform into law Regulation lay the theoretical foundation.The third chapter, this chapter is the core of the article, the main analysis of the current investment and financing platform A2 P exposure, as well as potential risks that may exist, mainly summarizes the information disclosure A2 P incomplete investment and financing platform, the platform in existence since the financial opportunities, funding mismanagement and difficult to guard against money laundering and other issues; and by studying the status quo of China’s current Internet financial supervision, pointed out the existing regulatory body powers and responsibilities are not clear, the legal basis for regulatory policy and strong deficiencies.The fourth chapter, the paper at the end of the chapter is mainly based on the reasons mentioned earlier and A2 P investment and financing platform about problems and deficiencies regulation, targeted A2 P make relevant recommendations to regulate investment and financing platform to promote the standardized development platform. First, from the point of view of economics and law describes the theoretical reason A2 P investment and financing platform specification, and then put forward from the regulatory body, the main body of clear regulatory responsibility and authority to implement the regulatory responsibility, comply with regulatory principles; platform operators by improving transparency, supervision and disclosure platform complete information; the use of third-party hosting platform trading capital to fund risk isolation platform; development of standard platforms market entry and exit mechanism, maintaining the relevant market order and security; and finally by improving the legal regulation in order to formally A2 P financing platform included law, the law can cure areas.