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The Research On Legal Supervision Of P2P Lending In China

Posted on:2018-09-15Degree:MasterType:Thesis
Country:ChinaCandidate:J L LvFull Text:PDF
GTID:2346330518950510Subject:Civil and Commercial Law
Abstract/Summary:PDF Full Text Request
The P2 P lending has been existing 10 years since introduced to china.This emerging mode of finical service through the internet brings the network loan service industry prosperity,but also brought a lot of problems.November 2016 "naked" incident is a microcosm of the problem of network lending.In this paper,through the analysis of various problems of P2 P network lending,put forward some effective suggestions from the practical point of view in order to build a set of effective regulatory system.The full text mainly contains three parts,introduction,text and conclusion.First of all,the introduction is based on the "naked loan" incident.Then,the first part introduces the problems of P2 P network loan industry,and discusses the necessity of its legal supervision.Subsequently,this paper introduces the research background and significance of this paper,the domestic research situation,the research methods.The first part of the article,the concept and characteristics of P2 P network lending are briefly described.Then,the legal relationship and its nature in network lending are analyzed and qualitatively analyzed.Then,the operation mode of network lending is discussed.Finally,the risk of network lending and the existing control system are discussed.This part is divided into three parts,first part analyzes the legal risks in the network lending;the second part is about the main analysis of network lending in the operation of the existence of business risk;the third part of the major aspects is about the major domestic network Credit risk control measures.The second part of the article is the analysis of the current situation of China's network lending supervision.It mainly includes four aspects: the current situation of the risk control system of the current network lending platform,the regulation and evaluation of the laws and regulations,the problems existing in the supervision subject and the content.The third part of the proposed from the regulatory concept to start,pay attention to industry self-discipline and industry associations autonomy,prudential supervision,privacy protection and other ideas.In the industry self-discipline and the autonomy of the Association,China should pay attention to though the comparison of the relevant circumstances of the United Kingdom that;then,describes the German too strict regulatory system hinder the development of the industry;Elaborated the privacy protection system of the United States proposed to pay attention to the privacy of the parties to protect and build the relevant system..The fourth and fifth parts are the innovations of this paper.The fourth part is from the legal point of view,proposed to enhance the level of regulatory law,improve the information disclosure system and privacy protection,optimize the network lending industry legal system.The fifth part mainly elaborates from the angle of the construction of the supervision system.This part elaborates the supervision situation of the foreign country P2 P network loan industry,and puts forward that China should clear the supervision subject and content,establish the market access and exit mechanism,perfect the credit system.The conclusion part is the summary of the whole paper.As well as,the author of some insights.
Keywords/Search Tags:P2P online lending, Legal concept, Regulatory system
PDF Full Text Request
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