Government Supervision Of P2P Lending

P2P lending is a model of online financing belonging to the concept of Internet banking,with online operations,higher returns,lower threshold,greater risk and other characteristics.Since 2007 the P2 P lending came in China,despite the rapid development,the scale of financing,increasing investment,industry continue to broaden the field of accelerating the pace of development,there are also many problemswhich are due to the regulatory policies are not perfect and lack of self-discipline mechanism deeply.Risk control is not strict,resulting in a lot of criminal behavior gradually emerged.Resulting in an extremely bad social impact.To make P2 P lending full service in small and medium-sized enterprises and individuals,fast,stable and healthy development of a good guardian of the industry,in the regulatory policy,industry self-regulation level,institutional control level were put forward to perfect the laws and regulations,strengthen the construction of social credit system,play a self regulatory organization,set up a special complaint channels,improve employment the quality of personnel.