A Research On The Legal Supervision Of P2P Lending Platform

P2P is the abbreviation of"Peer to Peer"or"Personal to Personal",the meaning of P2P lending is generally accepted that direct lending between individuals through the internet.P2P lending platform refers to a platform that rely on the internet to provide financial information services.P2P lending platform is characterized in that broadness of participates,trading flexibility and combination of high returns and high risk.In recent years,P2P lending acts as a stabilizing force in internet finance.since then,the number of P2P lending platform almost rises with rapid growth.Legal regulation on P2P lending industry in China started late,there is no well-defined system of supervision.Multiple risks restrict further development of entire field.Compared with Britain,the US and France,they have established laws and statutes and have set specialized agency supervising P2P lending platform so as to achieve steady development in this field.After analysized and compared with Britain,the US and France,it can be concluded that China should perfect the system of legal supervision on P2P lending platform through the following three aspects.From perspective of legislation,legal supervision system and legal supervision contents.