Research On The Security System Guarantee Of Individual Network Lending Funds In China

Peer-to-Peer lending(P2P lending)results from the combination of Internet and traditional financial.With the continuous development of people's increasing willingness to invest and improvement of mobile communications technology,P2P lending for its convenience and relatively high yield rapidly becomes an important investment tool.P2P lending meets people's needs while it also leads to problems and risks.However,since it is a new product,there isn't a proper and sound regulatory system to cope with its associated risks.In this paper,the writer will try to analyze P2P lending of fund security protection system.This paper is divided into three parts:The first part mainly suggests to improve the Qualified Investor system;the second part mainly suggests to improve the trusteeship system;and the last part mainly suggest to set up the system of risk mitigation including the loan loss provision and mutual insurance.