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Research On Legal System Of P2P Network Borrowing Platform Supervision

Posted on:2018-01-10Degree:MasterType:Thesis
Country:ChinaCandidate:Z HuFull Text:PDF
GTID:2346330542991196Subject:Science of Law
Abstract/Summary:PDF Full Text Request
This is a period in which the Internet and Mobile network are developing fast and change the society in large scale.The Internet makes great change to the economy,culture and all aspects of structure in the society.It is of key role to enforce the cooperation and interchange in the field of Internet and make protocols of trading for the Internet Finance.as the role of credit agents,in essence engaged in lending business,bear the responsibility of rigid payment,facing multiple risks,which for the regulators to strengthen the supervision of P2 P provides a new way of thinking,the P2 P platform business registration funds,Senior management personnel,business and other aspects of strict supervision,but also to strengthen investor education,and create a favorable investment environment,so that the quality of investors and new financial services more match.P2 P as a new format,its supervision will be a continuous process of exploration,but also constantly improve the process,can be expected,P2 P industry prospects will be very bright.Secondly,the P2 P supervision should adhere to the principle of "step by step",to avoid the "one size fits all" negative impact;Finally,based on national conditions,a selective reference for the first time,to further promote the supervision of P2 P,first of all,to improve the relevant laws and regulations,at the legal level to provide a basis for regulation;Successful foreign regulatory experience.The current era of rapid development of the Internet and mobile Internet and continue to lead to social change in the era of social economic,cultural and structural aspects of all aspects have undergone tremendous changes in terms of Internet finance,how to strengthen cooperation and exchanges in the field of the Internet,To promote the development of information technology business development reached a number of agreements.An important area of Internet + is Internet finance,and now,such as ant gold clothes,Lu Jin,wheat Jinfu and other Internet financial enterprises such as mushrooming development and growth,but also in the payment,loans,fund management,stock and other fields began to have a place,Even more than CUP will continue to change itself to meet the Internet financial revolution,enhance their competitiveness.On the other hand,Internet finance also derives a lot of products outside the regulation,such as P2 P network lending or other aspects of the gray financing,which are due to lack of credit regulation,imperfect legislation so that the entire financial environment and even individualinvestors are exposed In addition to the huge risk,Internet security,especially in the field of Internet credit,management and wind control,is still the current Internet financial industry is facing important problems and bottlenecks.Based on the study of the development of the industry at home and abroad,this paper puts forward the research ideas,research contents and clarifies the problems: First,the definition,classification and characteristics of P2 P loans on the Internet financial and Internet platform are discussed in this paper.And then the operation mode is introduced,and then combined with the current case of P2 P loans in the case of detailed analysis of the case,and then for the current Internet P2 P platform for the status quo of the data analysis of the platform for the risk performance and the reasons for the risk of the analysis.Finally,the paper puts forward the corresponding countermeasures and suggestions from the aspects of government regulation and industry regulation.
Keywords/Search Tags:P2P, network lending platform, legal supervision, credit information system
PDF Full Text Request
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