A Study On The Development Issues Of P2P Lending

P2P lending is a comprehensive application integrating financial theories and Internet technologies, and is an innovative financial organization form. P2 P lending realizes the part function of the existing financial system, and it is a new financial strength to conducive to the real economy and people’s livelihood. P2 P lending has been developed rapidly after our country setting up Chinese first P2 P lending platform in 2007. Through accurate market positioning, P2 P lending’s target customers are small enterprises and individuals who are ignored traditional commercial banks. The P2P’s boom reflects that it cannot meet the actual needs of private lending under the traditional lending model. P2 P lending effectively meets the needs of small and micro enterprises and individual financing, so it grows quickly.With the development of P2 P lending industry, the risk and problems also increases day by day. Because of the rapid expansion in the short-term interests drive, many domestic P2 P lending qualifications vary greatly, and the risk has rising day by day. According to the network, it shows that our country has 550 P2 P lending platforms exposing a lot of problem in March 2015. The problem is mainly including collapse, run, malicious fraud, etc. Peer-to-peer lending platform officially launched in October 2010, and is a domestic leading P2 P lending platform. Peer-to-peer lending platform established in the early stages of the industry, and it has experienced all the period of the industry. The development process of peer-to-peer lending platform is the development process of the whole industry. As a result, the analysis of peer-to-peer lending platform’s problem is representative for P2 P lending industry. The paper analyzes peer-to-peer lending platform ’s problems and risks, mainly including the legal level, lack of regulatory issues, and operational risk, through the introduction of peer-to-peer lending platform and its risk control. And according to the problems, the paper puts forward suggestions to promote the development of P2 P lending industry in our country. It must establish laws and regulations to clear the nature of the P2 P lending; set industry policy to clear industry standards and industry access; improve P2 P lending platform ’s risk control and the system of information disclosure; implement industry self-discipline.