Regulation Research Of Network Platform Financing

China’s economic has developed by leaps and bounds from China’s reform and opening up. Especially, the small and medium-sized enterprises have also developed rapidly, which play an important role in promoting national economic development and enriching people’s life. However, financing difficulty has become an important factor of restricting small and medium-sized enterprises’ development. Though, our government has published some national laws and policies to support and guide the small and medium-sized enterprises to development, due to their own conditions and external factors, they can’t take a loan smoothly from formal financial institutions for instance the bank. So they have to find other ways to finance.Meanwhile, with the development of social economy the spending habits of people also has undergone the earth-shaking changes, the installment is the common social phenomenon, and the excessive consumption concept has also gradually flourished among young people. So they need find the source of funds, but applying the traditional credit card is too difficult, people have to find the new way of financing-network platform financing. Because of its flexible form, low threshold of financing, and high efficiency, network platform of financing is becoming an important financing way for small and medium-sized enterprises to finance. In addition to traditional personal financing’s inconvenience, network platform financing is becoming more widely in usage in a social financing.But because of the lack of adequate legal protection network platform financing has been severely restricted in development. And this restriction does not good to our financing stability and security. Therefore, in order to fully play the advantages of network platform for financing, and strengthen the vitality of our country’s economy, the legal regulation of financing platform should be discussed.The first chapter, at first the basic concept of network platform of financing will be elaborated and one of two main network financing style will be briefly stated, for promoting the whole network platform for financing in all areas. In the last section of this chapter legalization of financing platform will be discussed.The second chapter, this chapter will be divided into two big aspects to introduce the necessity of legal regulation of the network platform of financing. Based on the analysis of network platform financing’s own limitations, such as vulnerability, speculative, blindness, this part will illustrate the network platform inner demands for the financing legal regulation; based on the analysis of the network platform for financing’s bad influence on social economy and the social and the long-term influence of economic development, this part will illustrate the external demand for the financing legal regulation.The third chapter, first the current situation of Chinese network platform financing regulations will be clarified, and on the basis of the above situation, problems in regulations of the network platform in China will be analyzed, such as, being lack of regulatory, unreasonable interest rate and so on.The fourth chapter, the author will introduce some suggestions for network legal regulation of platform financing. Through perfecting the regulation system, setting reasonable financing rates, perfecting the management mechanism of electronic evidence, establishing the risk prevention mechanisms the author want to reduce the risk of financing for network platform, and bring the network platform of financing into the way of rule legalization.