Research On P2P Online Lending Access System From The Perspective Of Game Theory

In December 2015,e rental was investigated by related departments on suspicion of illegal fund-raising fraud and suspended daily business.In December 2016,the people's Procuratorate of Beijing filed a lawsuit against Yu C heng holding group and defendant Ding Ning,on suspicion of illegal fund-raising fraud.After the trial,Yu Cheng company and related individuals were punished by law.E rent treasure cases not only damages the rent treasure platform in E investment in the interests of investors,but also adversely affect the P2 P lending market,but also affect the healthy development of the national financial stability and market economy.The main reason for this problem is the imperfection of the market access system of P2 P network loan and the lack of relevant legal system.The content and related legislation of P2 P network lending market access system in C hina are not perfect,and the scattered policy provisions can not solve the problems in the P2 P network loan market.In this paper,through absorbing foreign advanced experience,and according to the actual situation of our country,using game theory analysis method,to our country P2 P network loan market access system of several problems analysis.Firstly,this paper studies the basic theory of game analysis about P2 P lending network access system,and analyzes the status quo of C hina's P2 P lending network access system,through the analysis and examples of existing domestic system,summed up C hina's P2 P network lending access system is not enough.There are three aspects of registration,guarantee and credit.This paper focuses on these three aspects of research.Secondly,the P2 P network lending market access system contains three aspects of the game analysis,the game model has been established to analyze the registration,security issues and credit issues.It is concluded that the P2 P network lending access system in China needs to improve the registration system,institutional guarantee system and credit system,and puts forward suggestions on the construction of relevant systems.Namely,the establishment of registration evaluation system,institutional guarantee review system and credit evaluation system.Under the constraints of various systems,the P2 P platform is the best choice for the market,the best efficiency and the most conducive to the healthy development of the industry strategy.Therefore,it is confirmed that the three systems discussed are scientific and effective.Our country should confirm the P2 P net loan market access system through the legislative procedure,including these three aspects.Finally,based on the e rent treasure case analysis,game analysis conclusion proved practical and scientific,can effectively solve the problem of P2 P network lending,and put forward the corresponding legal advice according to the research results.The main conclusions of this paper are as follows:Establishing registration evaluation system.The establishment of P2 P network lending registration evaluation system,for the P2 P platform registered by the China Banking Regulatory Commission,CBRC and relevant financial regulatory autho rities should apply for registration of P2 P platform for registration content evaluation.The platform approved by the CBRC allows access to the lending market and is subject to regulation.P2 P platform which does not meet the registration standard is not al owed to enter the market.Establishing the examination system of guarantee institutions.To enter the P2 P network lending market platform must ensure its cooperation with the compliance third party guarantee institutions,guarantee contract to guarantee the P2 P platform projects and products.In case of default or other possible losses,the Guarantee corporation pays the claim.P2 P platform must be secured".Establishing credit rating system.To enter the P2 P network lending market platform,it is necessary to submit the institutional credit report to the CBRC and the relevant financial regulatory authorities.Relevant departments through credit review and assessment to confirm whether to allow the P2 P platform into the lending market management.At the same time,the P2 P platform in the market needs to submit the credit report to the regulatory authorities regularly.Once the credit default occurs,the regulatory authorities should take corresponding measures and punishment measures.