A Study On Internet Financial Regulation Law: Based On P2P Network Creditmanufacturing Listed Companies

Modern society "Money" is a hot topic, many residents have changed the traditional thinking is no longer put his money into bank deposits. Various financial institutions are also constantly innovate and enrich financial products such as: stocks, funds, futures, gold, and so on. These financial products are characterized by increasing the value, but the threshold is now relatively high, often restricted from the purchase of gold, then at least five or six thousand million; financial stocks and funds that way, although there are a relatively low threshold, but on the purchase and operation to have a certain stock of knowledge and management capabilities. In addition, the stock market ups and downs too risky, so many people money evaporate overnight. In summary, the general public can try too few financial products, those high-yielding financial management with the public can not afford the risk of bank savings, although stable, but its yield is too low can not meet people’s needs.In recent years, with the continuous development of innovation and technology, the popularity of Internet technology, smart people will create a combination of Internet and Internet banking finance. P2 P lending network is the Internet Breakthrough financial development, since the loan sale after 2006 P2 P network into China at an alarming pace so far. P2 P lending network for its high-yield characteristics of low threshold quickly into public view, people are pro-gaze, as many people financing, financial new choice. P2 P lending network also relies on networking, the Internet as a platform to publish Ads for investors and borrowers to provide an opportunity to facilitate transactions. Those who get the money involved in the loan principal repayment, investors can get returns higher than bank interest rates. This loan will be the beginning of the way to enter the Chinese market was a huge demand basis. Powerless, power development of traditional financial providers and Internet technology provides the background for the growth of P2 P networks loans. But in just a few circumstances where we also see risks because of its low threshold of layers exposed, various events and violence cases are leaking their own national policies and loopholes and shortcomings, the current situation and form We are urgently introduce legislation to make P2 P and improve financial loans on the right track.The papers introduction, body, conclusion of three major parts, which body part consists of the following four chapters: This paper studies the Legal Regulation P2 P lending online network, so necessary in the first chapter to clarify the P2 P network lending basic concepts. At the same time, the rise of the first chapter also developing online P2 P lending network were briefly described. The second chapter on the basis of the first chapter defining the concept, describes the characteristics of P2 P lending online network, value and practical significance. Then also we discussed about the current development and China’s foreign borrowing P2 P networks, the P2 P net loan-depth analysis of specific recommendations in order to later proposed a more focused, more professional and capable of standing on the perspective of countermeasures. The third chapter analyzed the current situation of foreign regulatory P2 P network loan, analyzed the foreign regulatory measures, credit and risk management, and regulatory status of P2 P networks loans of comparison, as well as the development of P2 P net loan Existing risks, find our shortcomings and learn from them to improve. The fourth chapter is to propose specific measures to improve and suggestions from the P2 P platform and legal aspects.