The Research On The Supervision Of Illegal Fund-raising Of P2P Network Loan In China

2016,the regulatory year of P2P net loan industry,implemented the strongest ever policy as the introduction of the Interim Measures for the management of network lending about intermediary agencies of the accounting information introduced.However,it is still only about half a year when the introduction approached.So short implementation time resulted in limited effect,The development of China's P2P net loan industry still have many problems,especially the violations of illegal fund-raising activities repeated with the P2P net loan industry,but now nobody can ignore the importance of P2P net loan industry in China's financial industry.Only takes nine years,the loan balance reached 600 billion with its development,which accounting for 6‰ of China's all-bank loans,growth regulators.The lack of supervision of the phenomenon about P2P net loan industry is more and more attention by government.Study the actuality of the regulatory with illegal fund-raising behavior in P2P net loan industry of China.analysis of the problems and their causes of that phenomenon,draw the relevant policy recommendations are so importantThis paper begins with the definition of the concept of illegal fund-raising behavior,summarizes the theoretical basis of this study.Secondly,by means of analyzing the current status of P2P net loan industry,we can acquire that there are three major means by our P2P net lending platform for illegal fund-raising activities,including the borrower to carry out illegal fund-raising activities,P2P net lending platform engage in illegal fund-raising behavior with fictitious investment targets,personal or business use illegal means to set up multi net loan platforms for raising money.And than this paper stressed that these means may be suspected of illegal absorbing public deposits and fraud.this paper studies that the how pressing the P2P network lending certainly improving the illegal fund-raising behavior supervision is.In the further analysis,of some loopholes existing in China's P2P net loan industry regulation on the illegal fund-raising behavior,including laws and regulations,regulatory body,regulatory standards,regulatory techniques,supervision team quality,as the regulatory based credit system construction are more or less discomfort should be P2P net loan industry regulation,professional supervision or not strong.And then set up the two party game model and consumer platform of government regulators,P2P net loan platform(including the borrower and the lender)three party game model,to analyze this kind of supervision has not resolved,and with the foreign capital supervision experience set on illegal P2P net loan,finally obtained the target of this research,opinions and suggestions of how to improve China's P2P net loan industry regulation of illegal fund-raising behavior.