The Research On The Risk And Supervision Of Lending Platform

The structure of supply and demand in China credit market is always imbalance, as a result P2 P lending platforms which originated in England achieved an explosive growth in China. As a kind of financial innovation, P2 P lending platforms have made the whole Chinese credit market prosperous. But in the meantime The “P2P industry” is also out of supervision. Currently there is no threshold, no standards, no supervision in the entire industry. Some platforms self financing, some even Engaged in some business which is illegal. In this regard, regulators should guide the development of the “P2P lending platform” and make it legit.In this essay, I do a lot of research and survey to contribute a deep understanding in the legal risk and regulatory of the platform. First, I mainly discuss the reason of the prosperous and development of "the P2 P from the origin angle. Then, Excavate the existing problems from the “P2P lending platform” in order to sort out the legal risks of their business. Next, Demonstrate the rationality of its existence and operation of the border which based on the legal nature of " P2 P lending platform ".At last, the regulatory mechanism of “P2P lending platform" is discussed, we can make full use of the existing experience, establish the supervision mechanism of composite conditions from the regulatory principles, regulatory body, regulatory and legal protection level.