A Study On Legal Supervision Of P2P Lending Platform

In recent years,with the popularization of Internet technology and the economic developing in China.With the policy advocacy of financial,changed people's financial consumption idea,capital market has shifted,borrowing in financial services.The network financial products for investment threshold is low,high yield,simple operation was welcomed by many financial consumers.For example: the raise,the network of borrowing,third-party payment mechanism,etc.among them the most dramatic development of lending to the P2 P network.However,the financial innovation has been accompanied by many risks and legal problems appear at the same time.From 2011,claiming to be lending to the most rigorous network platform in China shut down because of lack of money,which in 2016 to illegally accepting more than $500.So far,the network platform for lending problems appear constantly,serious damage to the property interests of millions of people,not only more disturbed our good market economy order,also brought many harm to social stability.These problems of the lending industry based on P2 P network,in order to standardize the financial industry,for our country the development of market economy and the people's vital interests of maintenance,this article from the four parts of lending to P2 P network platform and its operational problems,demonstrates the legal supervision.The first part,overview of P2 P network platform and operation.P2 P platforms are defined and compared with the traditional paper expounds the different characteristics of banking financial institutions,and introduces the P2 P network platform operations,from its historical origin,the operating status of platform at home and abroad,in the operation of platform derived problems and their causes are analyzed.The second part,the regulation of the P2 P lending platform in China.Mainly from the existing suitable for P2 P network platform regulations,department regulations,policy documents and industry self-discipline.This paper expounds the present situation of the existing regulation.The third part,.Mainly from the network of borrowing the incomplete legal supervision system,industry self-discipline constraint effect is not obvious,personal credit system is not sound at many aspects.The fourth part.First analyzes the British and American regulatory experience,then compare the lack of regulation in our country at present,put forward Suggestions to improve it.