The Research Of P2P Lending Super Vison Legal System

P2P network lending as a new financial products with the help of the Internet,since 2005,the first P2 P network lending platform in the United Kingdom after the establishment of P2 P network lending will be rapidly in the world to flourish,in 2007China's first P2 P network After the establishment of the borrowing platform,the domestic P2 P network borrowing has also experienced a rapid development stage for our individual and small and medium enterprises to provide new financing channels at the same time,China's P2 P network lending development problems also followed,as of 2017 in March,belonging to the business and the problem platform accumulated3555,followed by the type of events in order to suspend business,reflecting the difficulties,Paolu,and so on.The centralized growth of the problem platform,while undermining the stability of China's financial market,also reflects the lack of legal regulation of P2 P network in China and the imperfection of regulatory rules,the regulatory body and the regulatory system and other institutional framework and implementation level can not be formed Effective supervision system,but also further hindered the P2 P network lending platform re-integration.The current situation and form of urgent need to refine the law to make P2 P network borrowing on the right track,it is necessary to strengthen the P2 P network loan regulatory legal system research.This paper starts from perfecting the legal system of network loan supervision and puts forward some suggestions on perfecting P2 P legal supervision.This paper is divided into two parts,the main part of the text consists of the following four parts:The first part is mainly for the P2 P network lending itself to elaborate,clear the concept of P2 P network lending,P2 P network lending history,and analysis of the characteristics of P2 P network loans,China's P2 P network lending platform on behalf of the operating model,combined with the existing laws and regulations Analyze compliance factors for existing platforms.The second part analyzes the current situation of legal supervision of P2 P network lending in China and the problems of legal supervision.On the basis of introducing the system of P2 P network lending legal supervision at present,this paper analyzes the shortcomings of P2 P network loan supervision in China at the legal level.The third part describes the Anglo-American P2 P network loan supervision legal system,focusing on the Anglo-American P2 P network lending legal supervision system of the legal system,the main body of supervision,and self-disciplineorganizations.On the basis of the combination of China's P2 P network lending legal supervision of the status quo,talking about Anglo-American P2 P network lending regulatory legal system of China's inspiration.The fourth part puts forward the suggestion of perfecting the legal system of P2 P network loan supervision in our country.This part puts forward some suggestions on how to perfect the legal system of P2 P network loan supervision in China,which is based on the current situation of legal supervision and the existing problems of P2 P network borrowing.Mainly include: improving regulations and regulations,implement the oversight body,improving supervision measures for P2 P lending platforms,and strenging self-discipline in the industry.