Research On The Supervision Of China's P2P Online Lending Industry

Peer-to-Peer lending is the combination of Internet technology and traditional financial model of the product,at the beginning of the birth with the financial disintermediation,Pratt & Whitney financial and other properties.In recent years,with the traditional financial model is difficult to meet people's growing investment and financing needs and the rapid development of Internet technology,coupled with Peerto-Peer lending platform itself has a short lending time,no mortgage,the benefits of money,etc.,Peer-to-Peer lending industry in our country to get outbreak.But as a new thing,Peer-to-Peer lending industry can be described as "half of the sea,half of the flame." In the process of barbaric growth,the industry's risk exposure and the frequency of the problem platform to bring huge losses to investors,but also hindered the healthy development of the industry.2015 and 2016,regulators for Peer-to-Peer lending and the entire Internet financial policies have been introduced,so that the industry gradually towards the standardization of the road.But the supervision of an industry to build is not a quick success process,need to continue to accumulate and improve to improve.This paper first defines the probability of Peer-to-Peer lending,introduces the development of Peer-toPeer lending industry in China,platform model,industry risk and the necessity of supervision and analysis.And then sort out since the Peer-to-Peer lending industry has entered China since the regulators of the relevant policies.Followed by the introduction of China's current Peer-to-Peer lending industry supervision system,from the analysis of the regulatory system found in the regulatory local financial regulatory authorities there is uncertainty,the lack of industry access standards,industry exit mechanism is imperfect,the lack of financial consumer protection,The credit system is not a wide range of five issues,and the problem analysis.Finally,the author puts forward the corresponding countermeasures and suggestions to improve the supervision of Peer-to-Peer lending industry in China.