P2P Network Unsecured Loan Mode And Regulation Research

P2P net credit platform is the mutual combination of Internet Finance and private finance, it goes beyond the traditional acquaintances society limits, will the scope of traditional folk loan extension, to make up for the short board of traditional finance, the realization of Inclusive Finance and financial value of democracy has important practical significance. As a kind of unsecured mode P2 P net loan mode, in the Anglo American countries is to mainstream mode of Internet credit operation, but this model is introduced into China but no greater momentum of development. On 2007, pat the loan as a copy of the American prosper company established in China after the mode of operation, operation and transaction volume 5 years totaled 400000000 yuan, this should be the first mover advantage of it, but not enemy secured mode represents the Red Hill VC, which since its establishment in 2009 the total number of transactions reached 41 million. Therefore, this article from the United Kingdom and the United States unsecured mode and supervision of research, and to further analysis the mode and regulatory system construction of unsecured mode development in china.Firstly, based on the system summary related literature at home and abroad, study the concept, P2 P net credit status, characteristics, theoretical basis risk etc.. Secondly, with the United States prosper, British Zopa, China ppdai as example to conduct the comparison research, found no differences of P2 P at home and abroad guarantee net credit mode in the orientation, operating mechanism, charges. Thirdly, unsecured mode on the United States, Britain, P2 P net credit supervision on the comparative study, we find that they have difference in the aim, type, rule. Finally, based on the above study and proposed that we should reasonably guide positioning in debit and credit financing behavior, the establishment of technical support operation mechanism, credit based strong security charges such as the realization of three aspects of perfecting our country’s P2 P unsecured mode, and from the establishment of regulatory objectives, to consumer protection regulation target and set the negative list mechanism, promote financial regulatory modernization from four aspects of perfecting our country’s P2 P unsecured mode of supervision, thus promoting the development of China’s P2 P net loan unsecured mode.