Research Of P2P Net Loan Regulation

Since the country in 2007 the P2 P network platform,P2 P network platform loan won the very rapid development in our country,nowadays the P2 P network and the number of credit platform has considerable,government regulation of the P2 P network credit market in China has become a problem to be solved in today's society,after all,just rely on the government's own power to oversee huge Numbers of P2 P network platform,which is so clearly the power of the government itself is not enough.Therefore,in order to realize the steady and healthy development of the P2 P network credit market,feasible measures must be taken to strengthen the supervision of the P2 P network government loan.The main contents are as follows.The first part of this article mainly wrote the introduction,introduced the selected topic background and significance,the domestic and foreign research present situation,this paper research methods and innovation of the paper and shortcomings.The second section mainly introduces P2 P network credit problems,including the concept and characteristics of P2 P network loans,the development of P2 P loans in China,and P2 P loans the theoretical basis of government supervision.The third part mainly wrote the P2 P network status quo,problems and the reasons of the government regulation.This article emphatically from the government regulatory agencies,government regulation,law,government regulation and government regulation mechanism of auxiliary borrow peer-to-peer(P2P)network is described in this paper the current situation of government regulation;Summarizes the main problems of P2 P network credit government regulation including the government needs to strengthen supervision main body function play,government regulation of the defect of legal basis,government regulation measures need to be strengthened and the government regulation of the effect is not ideal;Reason for the P2 P network credit government regulation problems lies in the concept of government regulation,government regulation legislation backward technology level is not high,government supervision level is not high,and the social participation is not high.Main wrote the fourth part is to introduce British and American P2 P network borrow the current situation of government regulation,we analyzed both Britain and America P2 P network to borrow the advanced experience of government regulation,and concludes that our country perfect the beneficial enlightenment of P2 P network credit government regulation.The fifth part mainly is to solve the problem of P2 P network credit government regulation in our country's advice,including to promote the play of the government supervision main body function,improve the government supervision,strengthen the legal basis of government regulation measures and perfect the auxiliary mechanism of government supervision.