Wuhan P2P Network Platform Loan Regulatory Problems And Countermeasures Research

In recent years,the P2P industry in our country has developed rapidly and experience ups and downs.So-called peer-to-peer(P2P),it is informal lending and a product of modern Internet technology to combine,P2P lending broke through the geographical constraints,and using the Internet technology,to further expand the customer groups,customer resources,using the Internet to broaden folk lending business,different from the traditional financial institutions,P2P can better service for individuals and small micro enterprise loans,implements the pratt:&whitney financial policy meaning,and brought profit to the market,the first domestic a P2P company is patted,clap credit online,with 2007 2007 to present domestic P2P industry is growing rapidly,in recent years due to the lack of P2P network credit regulation,such a policy environment,the growth of the P2P network bank loans into the savage state.And frequent run related events,brought severe losses to investors.Because of run,etc,that credit risk is further amplified the P2P network,each platform development level is not balanced,each platform has a typical problems,based on this background,this article attempts to wuhan city as an example,the analysis of wuhan P2P platform operating conditions and monitoring platform.Lending to P2P network is an information age combining Internet technology and the folk lending and become a kind of product,it USES the Internet user groups such a huge source of customers,broke through the regional restrictions,to broaden the scope of business of the private lending,and more service Yu Xiaowei businesses and individuals this special group limited in the traditional financial institutions financing,the harvest of long tail market profits and to achieve the pratt&whitney financial policy meaning.Since 2007,the first domestic platform on loan online so far,domestic P2P industry has been growing rapidly,and in recent years,especially in the absence of regulatory policy environment into\"savage growth\",side have various capital inflow,frequent road side running events.Alienation of business models,the risk is due to factors such as leveraged or outsourcing on amplification and difficult to control.And the development of the Internet financial platform in wuhan city level and problems of its representative.This paper research the well-known Internet financial platform in wuhan city,analyzes the capital scale,the risk control mechanism and business situation,This article first to the P2P network is borrowed the concept description,then the P2P industry development present situation at home and abroad in detail,and several development model in P2P industry in China is mainly analyzed,and then to general network platform of the risks involved in some of the loan,the absence of regulation of the industry as a whole is obtained by risk externalities.Then P2P development in wuhan as an example,the problem platform according to the types of the typical case analysis,it summarized the cases exposed the regulatory issues,further demonstrates the necessity of regulation.Finally,analyzes the general situation of the regulation both Britain and America,combined with China's current appear on P2P regulation policy trends and summarize the existing regulation problem,trying to come up with some countermeasures and Suggestions based on the experience of the British and American regulatory,mainly related to perfect the laws and regulations,clear regulation mode and main body,perfect the credit system,strengthening industry self-discipline and consumer education level.