Researc On Legal Supervision Of P2P Lending Platforms Under Inclusive Financial Goals In China

P2P Lending Platforms,as an important component of Internet finance,has also become an important means to achieve inclusive financial goals.Combined with China’s policy to encourage the development of inclusive financial,endless problems of P2P Lending Platforms,the trend of increasingly stringent regulation,this paper studies the legal supervision of P2P Lending Platforms.The basic principle of P2P should be to encourage and regulate its long-term sustainable development,and it also should combine development with risk prevention.P2P is still in the development period,far from stereotypes,and development direction and mode remains to be observed.In view of the initial development,the regulatory authorities in the implementation of supervision should maintain a certain degree of tolerance and flexibility to deal with possible problems,and adopt a principled-oriented regulatory approach to fully absorb regulatory experience and lessons from the previous emerging financial industry.Under the premise of ensuring the safety and security of financial system risk under control,to support the financial innovation,to promote the steady development of P2P Lending Platforms,the principle of guidance and regulatory supervision should be combined.P2P regulation involves both constructing specific regulatory rules and setting the corresponding regulatory system.In these two areas,China is correspondingly insufficient.In the regulatory rules,first of all,for a long time,P2P entry threshold is low,and both in capital,personnel,technology and other substantive conditions,or in the license management,record registration,registration and other procedures,P2P is lack of clear and specific provisions.Secondly,there is also a lack of clear and specific provisions in the specific operating rules of the platform,such as the nature of the platform,the platform business scope,prohibited business behavior of the platform,obligations and responsibilities of the platform,platform information disclosure,etc.Again,the market exit of the platform also lacks the corresponding rules,such as liquidation of the platform,asset disposal procedures of the platform,resulting in serious absconding phenomenon.In the regulatory system,what is the main body of supervision in P2P,how to coordinate between the regulators are not very clear,resulting in no supervision in practice,and there is a regulatory vacuum.This paper mainly from the current situation of P2P,learns platform problems shown in the development process of the typical platform,guided by the principle of moderation,transparency,coordination and innovation,combined with the needsof inclusive financial development,improves the legal supervision system of P2P industry,specializes entering and exiting mechanism of network loan industry,establishes a credit system,strengthens the social credit ethics guidance,improves the information disclosure and protection system,achieves risk control and third-party capital custody and other specific regulatory rules to be built,in order to promote the healthy development of P2P Lending Platforms to achieve inclusive financial goals.