A Study On The Development Issues Of P2P Lending

Private Network Platform is also called "P2P" or "RenRenDai",which has been developing quickly since the first "P2P" lending platform named PaiPaiDai has been found in 2007. Since 2015, P2P lending platform began to enter the stage of barbaric growth and frequent problems.The number of P2P lending platform from 2595 in 2015 to 5879 inin November 2016. At the same time,The number of P2P lending platform in problem also from 900 in 2015 to 2838 in November 2016.This number brings great challenges to the supervision of China's private network lending industry. Firstly, Whether the benefits brought by government regulation will be greater than the benefits of relying on market.Secondly,What is the point and direction on government regulation? How to obtain the most effective regulatory effect with the lowest regulatory costs? This is the primary issue of China's private network lending industry regulation, is also the main research content of this article.In this paper, an overview of the private network lending platform is be introduced in the first chapter. In the third chapter , The classification model of the platform is introduced And typical platform were analyzed from the indirect, working principle, profit model, risk control four aspects. And then summed up the problems in the development of China's private network lending platform. "Naked loan " event also be analyzed clearly in this part.The fourth chapter, through the establishment of evolutionary game theory, discussed the necessity of regulatory network lending platform in our country. It is concluded that there is an important conclusion and provides a direction for the regulatory path. In the last chapter, we put forward the con esponding supervision suggestions on the basis of referring to the actual situation of out country. Solution of "conditional separate operation"was proposed to solve the problem of leagle risk in legal status; And,Improving the market access conditions and exiting mechanism; improving the credit system; Difference competition are also proposed to help P2P develop healthily.