Lending To Network Platform Legal Regulation Research

Lending to network is also called "person-to-person lending", it’s an innovative financialmodel which isdifferent from traditional financial institutions.With the aid of computer network technology and based on network platform for bridges,makes money rich side lend idle money through the network lend to the demand side to complete social finance funds transfer.The whole lending process need through network lending platform to complete both borrowers and lenders demand’s matching,the information mainly includes the loan amount, loan term,loan interest,in order to complete the final loan,borrowers need to first review platform’s borrower money demand information,on the basis of comprehensive discrimination to choose favorite borrowers for sure,and lend corresponding amount of money to reach final loan deal.Although our country’s network is based on absorbing the introduction of foreign network credit lending market’s mature model,but in a few short years has developed rapidly.Part of the larger network lending platform scale expanding of business already far exceeds one hundred million yuan, This to a certain extent influenced the flow of funds in our country finance system.At the same because network borrowing was developed on the basis of traditional folk lending, So far our country has not clearly legal regulation for network borrowing’s legal status.But currently on the market most of the lending to network platform is simple in the ministry of commerce and industry of industrial and commercial registration, the net credit market’sfinancial services project has not specific regulatory agencies conduct supervision management.time.in the process of the rapid development of network lending platform is also accompanied by frequent run events of default problems and serious harmed the interests of the borrower,this also caused extensive concern of the public opinion and regulators.The China banking regulatory commission later issued about credit risk warning notice is caused the social public opinion on network lending market chaos of regulatory norms of a voice.In addition to the introduction and conclusion, there are four parts in this paper.The firstchapter mainly from network lending characteristics, patterns, legal nature,Network borrowing compared with the traditional commercial banks,of absorb deposit financial institutions,the advantage of the folk lending financing aspects introduce the basic concept of network borrowing.The second chapter mainly introduces the problem of network lending industry in our country;Bring up from the network status of development of the market both at home and abroad then extends to the our country network lending industry regulatory loopholes and lending market at present the problems of various kinds of risks.The third chapter focus on analysis of Anglo-American law system and continental law system countries represented by network lending market development present situation,from the supervising subjectof the borrowing of foreign network, supervision way, regulatory content,several regulatory experience and so on and point out the British, American, French,south Korea network lending as the regulatory experience of mature markets,and concluded that network beneficial Revelations of the lending industry development in our country.The four chapter whole revolves around opinions of legal regulation of the industry of our country network borrowing.From clarify the legal status of platform qualitative,identify a specific regulatory body,set up access and withdrawal mechanism,perfect our country’s credit rating system several aspects to analyze in detail for lending to network platform regulation in China are put forward,points out legal advice that conforms to our country network lending platform healthy development path.