Research On The Supervision Of P2P Platform In China

P2P platform in China is in the stage of rapid growth and development,P2 P platform improve the overall efficiency of social funds,which meet the needs of small micro-enterprises and personal financing,it has an important position in the economic society,but P2 P platform has accumulated a lot of problems,it is more difficult to adjust spontaneously relying on market,nationwide calls for remediation and supervision.This paper is mainly to study the P2 P platform of the regulatory issues,firstly,to describe the P2 P platform for the current development status and business model,then analyze the current problems faced by the existing risks,try to use economic analysis to find key points regulatory need to pay attention.Finally,make additional recommendations on regulation based on the key points of the problem.This paper is mainly to find the key factors that affect the supervision of P2 P platform.Firstly,to analyze the asymmetries on the information between the platform,the borrower and the investor from the perspective of information transmission,under hypothesis of the information transmission without guarantee and supervision,results will be information interference distortion,the introduction of regulation of the platform and the borrower will be beneficial to the formation of information constraints,and reduce the loss of information quality,but the lack of excitation for the platform to disclose their information.Secondly,to analyze the specific risks of its innovation and regulatory difficulties,according to the borrowing information and its business model issued by the platform,and the actual business model and the real financial environment,some analysis are the risk faced by different platform business model,the need for effective supervision or regulation of regulatory behavior to make judgments.Thirdly,from the point of view of P2 P platform,whether the regulatory is acceptable,we find the willingness of platform to accept regulatory have impact on the effectiveness of the regulation are important.