The Research On The Supervision Of The P2P Network Lending Platform In China

P2P network lending is a kind of innovative finance which is the combination of the Internet technology, which is the rapid development of the Internet and the inevitable trend of the financial market to reform. P2P network lending platform separately with reference to the characteristics of the network financial service and is a great innovation revolution, is the effective use of the network concept and the existing mode of financing, in the field of microfinance to great effect and effective use of the huge market of idle funds. However, P2P lending model is still in the primary stage of development, there are many risks, which directly affect the interests of both sides of the financing, has caused huge controversy among different social strata, and a large number of P2P financing platform in recent years, the emergence of a serious risk of foot, foot, etc... These risks highlight the gap of our country in the emerging industry regulatory, regulatory authorities Ran the random development, full of loopholes, a serious impact on the development of the industry and the financial market. So explore the causes of platform risk, sums up the characteristics of risk, to suit the remedy to the case, the introduction of relevant policies, in order to effectively monitor the stability of the industry boom, fully embodies the characteristics of P2P credit, risk and supervision of the necessity of further research.This paper describes the emergence, development and status of the P2P network lending platform in the financial market. It also summarizes the characteristics and advantages and disadvantages, and analyzes the current situation of the P2P network lending industry, and provides a theoretical basis for the government supervision.In the first part of this paper, we summarize the background of the supervision of the P2P network lending platform, introduce the P2P network lending industry, and put forward some problems of the risk. Finishing for the industry development of domestic and foreign research results, summarized the literature review, and thus get the solution to the problem, that is, for the supervision of the problem is given for the opinion and suggestion.In this paper, the second part mainly summarizes the P2P lending platform on the Internet the financial position, development characteristics and risk regulatory loopholes;The third part of this paper mainly describes the P2P network platform loan risks and regulatory issues facing the status quo;In this paper, the fourth part through the analysis of the case accommodating easy credit platform, platform to illustrate common risk of loopholes, aims to validate the universality of P2P platform risk;In this paper, the fifth part expounds the abroad for some regulation methods of P2P platform, for the domestic regulatory policy to provide related experience;In this paper, the sixth part put forward the domestic regulatory policies may apply some opinions and Suggestions, provides the domestic regulatory policy put forward relevant theoretical basis.