A Research Of Measures Of P2P Lending Industry Risk In China

Nowadays, the Internet financial has become the hottest topic in China’s economy. Along with the continuous development of internet technology and the help of the Internet, a large number of civil financial power make the financial activities transparent and build a new financial service mode. The most typical financial industry is P2P lending platform.The P2P lending industry has been booming all over the world in recent years, the P2P lending patterns also gradually got the attention of people. Because the traditional Chinese financial industry is not well-developed and financial exclusion phenomenon is serious, P2P lending is better than the traditional financial industry, P2P gradually shows its strong vitality as time goes on. P2P lending platform with its short loan time and simple way of borrowing, it targets on the small micro finance who are ignored by the traditional commercial Banks. All these make the P2P grow quickly. However, due to the P2P network platform set up lending threshold is low, the platform quality is not well grown, and there is no relative consummation managing of government, industry risk is bigger, all these reasons lead to a series of problems, such as escaping and the collapse of platform. At present, although the P2P lending industry has caused the attention of the government and related departments, because of the incomplete law, regulatory commission no regulatory legal responsibility, lead to P2P lending industry in China is still in the regulatory vacuum.This paper introduces the concept and basic characteristics of the P2P lending, as well as the significance of existing in our country, through to the discussion of domestic P2P lending industry present development situation and characteristic in recent years, found and pointed out that the development of domestic P2P lending industry facing the main risk, including the disorder of competition, operational risk and lack of regulation and so on. This article through studies on the domestic P2P lending risk causes and domestic industry development trends, fully grasp the Chinese government on the economic adjustment, market supervision, social management and public service, through draw lessons from foreign government regulation ways and measures of the P2P lending industry, targeted to solve the problem are given and the specific measures and methods of the risk aversion, from strengthening the investor education, perfecting the relevant laws and regulations, clear the legitimacy of the P2P lending platform, the government exerts positive economic functions, strengthen the government’s public management and so on several aspects, in order to ensure healthy positive and stable development of the P2P lending industry in our country.