Research On Credit Investigation System Of P2P Network Lending From The Perspective Of Inclusive Finance

Traditional financial services,due to its exclusion nature,some people who need it do not have access to financial services.In 2016,China also proposed the development of inclusive finance planning after the United Nations put forward the concept of inclusive finance,aims to establish our system of inclusive finance and meet the demand of people in well-off society.The emergence of P2P network lending makes it easy for strangers to borrow.No barriers,simple procedures and more extensive coverage are in line with the objectives of inclusive finance.The same as traditional finance,P2P network lending will still face credit risk,the control of credit risk is mainly based on credit.In the past credit system,credit investigation of P2P network lending has been under a certain degree of regulation,however,due to the new characteristics of the Internet,the previous system may not be able to meet the current demand for credit.From the national level to improve the credit system,creating a more scientific and efficient credit system will be conducive to the healthy development of P2P network lending,more conducive to the construction goal of inclusive finance.This paper first expounds the introduction,it mainly introduces the research background and practical significance of credit investigation of P2P network lending,combs the current research status of related issues of domestic and foreign scholars,describes the research ideas and research methods,and summarizes the possible innovation of the paper.Other sections describe the inclusive finance and the credit investigation of P2P network lending,analyses the legal relationship in the credit investigation of P2P network lending,and its unbreakable relationship with inclusive finance.And the credit investigation of P2P network lending is facing many legal problems.Every problem will affect the healthy development of the industry,it needs to be resolved.From the perspective of law,we can deepen our understanding of the system.It describes the supervision of the credit investigation of P2P network lending,analyze its necessity,introduces the typical models of credit investigation and supervision in other countries and summarizes the current situation of China's credit investigation legislation and supervision.At last it makes it clear that improving the credit investigation system of P2P network lending is meaningful,based on the foregoing problems,legal means can be used to solve the problems,it can put forward measures to improve the system,based on the present situation of credit investigation in China.