Legal Supervision System Of Internet Financial Network Lending Platform

P2P network lending platform,refers to the personal and personal borrowing between the Internet and information technology combined with the Internet financial sites.The earliest originated in the United Kingdom,its predecessor as a small loan,and private lending has a similar mode of operation,but it broke the geographical restrictions,the lender can get a relatively high interest,so P2 P network lending platform broke out Type development.P2 P network borrowing platform has also changed from the original nature of the intermediary slowly,derived from a variety of modes of operation,and the current system of supervision of the platform in the definition is not clear,the main fuzzy state of supervision,leading to P2 P network lending platform often Such as illegal fund raising or financial fraud and other risks,in view of this problem,China's urgent need to develop the relevant regulatory system,to encourage financial innovation at the same time and effectively regulate the legitimacy of the platform operation is P2 P network lending platform regulatory focus.This article is divided into four parts.First of all,from the concept of P2 P network lending platform,the rise and development of the evolution and characteristics of the platform to elaborate,to sort out the platform of the operation mode and the legal relationship between the main platform.Secondly,it puts forward the necessity of legal supervision of P2 P network borrowing platform.This paper analyzes the current legal risk of P2 P network borrowing platform in China.Thirdly,for the relatively mature foreign P2 P network lending platform regulatory environment,the analysis of the United States,Britain,for example,the regulatory model,from which can be worthy of our reference to the regulatory model.Finally,we try to put forward the path of our country to construct the supervision system from the aspects of clear supervisionsubject and target,strict industry access,compulsory fund management,strengthening information disclosure and perfecting personal credit authentication system.