Research On The Supervision Law Of China's P2P Network Lending Platform

Peer to peer lending is a supplement to traditional financial industry.It's the small and medium-sized enterprise solve the financing difficulties of channels.P2 P lending to fully meet the needs of fundsof for the majority of people.And effectively promote the entrepreneurship and innovation.2016 for peer to peer lending is a important year,trade volume reached 2.063872 trillion Yuan.In frequent event this year,peer to peer lending both experienced negative events such as run to bring pain,and saw a series of regulations and compliance to industry standards.From the point of the current development situation,but there are also the risks and challenges,the regulatory system is yet to be perfected.The peer to peer lending scientific and reasonable regulation to ensure that the P2 P industry health and sustainable development.Based on peer to peer lending the main pattern,the legal relationship,legal nature,industry development present situation research,reveals the existing problems and the legal risks faced.Analyzing the present situation and existing problems of supervision,on the basis of using the experience of British and American regulatory,in combination with the practical situation of Chinese peer to peer lending proposed consummates our country P2 P regulatory laws,clear peer to peer lending regulatory body,and the countermeasure of optimizing peer to peer lending development environment.