Research On The Legal Supervision Of P2P Lending

In recent years, with the continuous innovation of Internet technology and widely penetrated into various industries, and accelerating convergence process. Financial and Internet these two hot areas collide with each other, a new kind of financial model- the Internet financial development full swing. Since 2005, the world's first P2 P lenders Zopa, via the Internet platform direct match between the borrower and loan lending transaction network lending industry, has become a global financial field of trendy, and lead the people to the reform of the traditional consumption habits, and even lifestyle change.P2P lending refers to the equal main body through a third party network platform for lending to each other, namely, through the platform will be idle funds of individual investors and capital requirements of small and medium-sized enterprises or individual docking, realize the financing process.In view of this, this dissertation will study and thoroughly discuss the development of P2 P lending market and regulatory capacity in China, the United States and Britain. Emphasize analysis of legal relationship, legal risk and supervise trends of P2 P lending. In reference on the basis of American and British experience emphatically, and puts forward Suggestions to Chinese P2 P industry regulations.