Research On Legal Supervision Of P2P Network Lending In China

In recent years,thanks to the development of the financial industry and the promotion and application of P2 P network technology,Internet financial products have sprung up and have been widely sought after and loved by the public.However,due to the lack of network financial market supervision,there are still many hidden dangers in the P2 P financial model,which increases the difficulty for the capital owners to supervise their own funds while making investment and financing convenient for the majority of users.Therefore,to further improve the relevant regulatory system to protect the security of P2 P lending platform for the operation of funds has become the current Internet financial health to promote the development of the problem must be resolved.Through the investigation and analysis,we can see that many countries are not aware of the dangers of financial risks to P2 P finance,but these countries can not really increase the Internet financial supervision as the main measures to avoid P2 P financial risks.The main reason is to realize the financial risks to avoid and strengthen the regulation of financial markets,there is a certain relationship between the two,once the excessive increase in the intensity of Internet financial market supervision will to a certain extent,affect the P2 P Financial The normal operation and development.Therefore,in the management and monitoring of P2 P financial markets,the development and implementation of regulatory measures must be controlled within a reasonable limit,to ensure that the normal operation of P2 P financing platform as all regulatory measures to develop and implement the starting point and the foothold.In terms of financial market supervision system construction,its primary task is to change the traditional concept of supervision,combined with the actual development of China's P2 P financial,to develop practical monitoring and management methods,the only way to protect the P2 P financing model stable and healthy operation.From the development process point of view,P2 P financing model first appeared in foreign countries,not China's patent.With the gradual opening up of China's market,P2 P financial model has been gradually applied to China's financial sector,and with our traditional financial business have a perfect fit.However,the operation and development of China's P2 P financial model is very different from that of foreign countries.Therefore,in the construction of China's P2 P financial supervision system,do not copy the Western doctrine,but should fully consider the actual situation of China P2 P financing platform development,Grasp the characteristics of China's P2 P financial development,so as to build a suitable for China's Internet financial industry,the healthy development of regulatory mechanisms.Practice has proved that the development of things need to reform and innovation in the P2 P financing platform for the regulatory system innovation process,we should not only fully inherit the original system of useful ingredients,but also with practical experience to continuously improve and perfect,the maximum To ensure that the regulatory mechanism of the scientific and rational,so as to better promote the development of P2 P network lending platform services.