Research On The Present Situation And Countermeasures Of Information Disclosure Of P2P Network Loan Platform

In recent years,with the rapid development of Internet Finance,the P2P(Peer-to-peer)network loan,as one of the important modes of Internet Finance,has been receiving much attention from the society.It has many advantages,such as higher financing speed,lower financing costs,a wide range of financing objects,convenient operation processes and so on.Therefore,it becomes a better choice among many medium and small-sized enterprises.Compared with the traditional financial loan model,the P2 P network loan breaks the barriers of time,space,and interpersonal relationships.The P2 P network loan builds a loan platform to provide relevant loan information for management and people who need funding.The P2 P network loan platform largely meets the need that many medium and small-sized enterprises demand the petty loan,which the traditional financial loan cannot do.Therefore,the platform has greatly promoted the development of modern social economy.The P2 P platform has got rapid development since the birth of the first Chinese P2 P platform in 2007,especially in last two years when the number of the platform increased tremendously.The P2 P network loan platform has got rapid development,but the potential risks gradually rise to the surface.Whether the work of information disclosure can be done well or not is closely related to the investment decisions made by the investors.A variety of running away,defrauding and other problems on the platform have hurled the problem of information disclosure into the limelight.In the critical period when the network loan risks often appear and the problem of information disclosure becomes more and more prominent,how to solve the problem of information disclosure seems particularly urgent.This essay will focus on the information disclosure status of and improvement measures of China's P2 P network loan platform.The author first analyzes the characteristics and the practical significance of the P2 P network loan platform.Then the author introduces the current development status of the P2 P platform and discusses the new features which have appeared since 2015 when the platform began to be supervised.In addition,the author analyzes the current status of information disclosure of Chinese P2 P platform.In this part,the author first analyzes whether the platform information disclosure is overall or not in order to find out the main problems in the aspects of the integrity of information disclosure.At last,the author,combining the characteristics of the P2 P network loan,puts forward countermeasures from the perspective of the platform itself,industry self-regulatory organizations,and industry regulators.