Research On The Investor Protection System Of P2P Lending

Peer-to-Peer lending(P2P lending) results from the combination of Internet and traditional financial. With the continuous development of people’s increasing willingness to invest and improvement of mobile communications technology, P2 P lending for its convenience and relatively high yield rapidly becomes an important investment tool. P2 P lending meets people’s needs while it also leads to problems and risks. However, since it is a new product, there isn’t a proper and sound regulatory system to cope with its associated risks. In this paper, the writer will introduce some basic knowledge of P2 P lending, its legal risks and problems, and try to analyze P2 P lending of investor protection system and related regulatory policies.This paper is divided into four parts:The first section mainly expounds the background and origin of P2 P lending, and introduces the difference from traditional lending; the second section expounds the development of P2 P lending around the world and its development course in our country, and show a good development prospect in P2 P lending; the third section mainly expounds the specific of P2 P lending business model, and points out the characteristics of various kinds of patterns.The second part has two sections. The first section introduces the P2 P network lending among the parties, and their role in the P2 P lending; the second section focuses on the P2 P network lending in specific legal relationship, as well as their respective rights and obligations.The third part mainly has two parts. The first part introduces the risks that the P2 P lending platform may face in the process of operation, and points out the causes of risks; the second part introduces the main problems and its form that the P2 P lending platform may face in the actual operation.The fourth part has four sections. The first section describes the status quo of regulation and investor protection system of P2 P lending in China; the second section introduces how the foreign countries implement the regulation and protect investors; the third section mainly introduces deficiencies of the regulatory and investor protection in the P2 P lending network;the fourth section mainly illustrates which suggestion we should take to perfect the regulatory and investor protection.