P2P Lending Platform Risk Regulatory System Construction Research In China

P2P (peer to peer) network lending is a kind of intermediary service business which helps the investors and the borrowers achieve the direct lending behavior. In recent years, with the folk finance and the growing of Internet finance, P2P lending, for our personal and facilitate the financing of small and medium-sized enterprises. At the same time, the fast development of the P2P lending, pattern variety, high degree of risk of derivative caused the wide attention from all walks of life, only in January 2015 to March 2015, the more concentrated the enterprise become more than 160 of the P2P platform, reasons for enterprises to run more road or out of business, it raises questions about the development of P2P, the discussion of how to monitor P2P lending risk is on the agenda., however, the concept and nature of P2P lending platform in academia and practice is no clear definition of the P2P lending business threshold is low, the good and bad are intermingled, an operator supervision subject vacancy, regulatory problems such as unclear content also has not been resolved, lending to domestic most network platform is still in a state of lack of regulation.Based on P2P lending as the research object, aimed at by borrowing the concept of P2P network, operation mode, characteristics and development present situation, and analyzes its reason for existence and development. Analysis of key elements of lending to the P2P network model, and points out that the problems in the development of our country’s current P2P lending and operating process of the main risk points, key from the financial systemic risk, as well as public interest protection of money creation effect analysis of the necessity of the supervision on P2P lending and on this basis, try to put forward the P2P lending, risk prevention and control measures and supervision to promote the sustainable and healthy development of the P2P industry.