P2P Lending Regulation Of Legal Research

P2P is a new type of network lending in recent years,with the rapid development of Internet technology and the emergence of the formal financial institutions lending,and there are great differences in the characteristics of fast and efficient,profitable to attract investors,also provide a small micro financing channel and rapid wealth value-added opportunities for enterprises and individuals,has a huge promote the reform of financial industry and social economy.Of course,with the development of P2P network lending,its disadvantages are becoming increasingly prominent,and there are huge risks hidden in P2P network lending platform.Negative report P2P network lending industry appears repeatedly,platform collapse,cash difficulties,run away,platform violations and crime,legal lag for the emerging things obvious,the government and the legal supervision is very urgent,which requires us to payattention to the P2P network lending platform operation mode,and the current risk of the regulation.This paper introduces the overview of P2P network lending platform and the representative of China's P2P network lending platform operation mode,elaborated the necessity of legal relationship and regulation of P2P network lending platform will be involved,and then analyzes current situation and deficiency of the supervision of the P2P network lending platform in China,on the basis of foreign P2P network lending platform regulatory experience,learn the great significance to our country from the analysis,finally proposed consummates our country P2P network lending platform regulatory proposals.As follows:The first part introduces the P2P network lending platform,first defines the concept of the P2P network lending platform,then analysis the P2P network lending platform has a wide range of subjects,trading convenience and high risk high income and other characteristics,then introduces several existing P2P network lending platform in China representative the business model and composite model to pat the loan as an example of pure online mode and the letter to the appropriate case combining online and offline.The second part mainly expounds the necessity of the supervision of P2P network lending platform,and analyzes in detail the various types of risks involved in the P2P network lending platform.The third part introduces the current situation of the P2P network lending platform supervision in China and the lack of supervision of the status quo,lending platform P2P network in China and the main problems are:industry access mechanism is not set,but the registration management;capital management form,there is a risk of customer funds;the credit system is not perfect,lack of information disclosure.The fourth part studies the supervision and regulation of P2P network lending platform in foreign countries(mainly in the United States and Britain),thus providing experience for the legal supervision of P2P lending platform in china.The fifth part according to the current situation and shortcomings of China's P2P network lending platform for supervision,combination of foreign P2P network lending platform regulatory experience,learn the great significance to our country from the experience,proposed consummates our country P2P network lending platform regulatory proposals:to establish regulatory principles,establish access mechanism,implement and improve the credit funds depository system and information disclosure system,the development of the industry self-discipline organization.The conclusion of this article gives a brief overview of the full text,at the same time hope that the analysis of this article can be a certain inspiration,to promote China's P2P network lending to the regularization of the development of meager strength.