Research On Legal Compliance Of P2P Network Platforms

As an important component of Internet finance,P2P network lending has profoundly affected the development of inclusive finance from the beginning.especially in helping small and micro enterprises to finance and stimulate consumer finance,P2P has unique advantages.in the key period of economic reform,It is particularly important for SMEs to play a leading role,which is in line with current development needs,and has therefore become a hot industry for financial development in recent years.As an online mode of private lending,it is a more convenient and efficient financing method,which greatly enhances the appeal to consumers and becomes an emerging form of financing in addition to bank lending.However,with the development of the P2P industry,the early drawbacks of lack of supervision have become increasingly prominent.The lagging regulations,low-entry systems and immature market systems have caused many criminals to intervene.The pseudo-P2P platform has faltered and eventually caused the P2P implosion in 2018,the industry began to enter a low tide,in urgent need of regulating the development of P2P platforms through regulatory regulations.The CBRC and other regulatory authorities promptly cleared up the market through new regulations and rules,A stricter compliance filing system will become a measurement tool for testing the quality of the P2P platform.Combating the escape of waste debt also demonstrates the determination of regulatory reform.As the most direct participant,the P2P platform will become a strong agent to reinvigorate investors'confidence under the new regulations.This article will take legal supervision as the entry point,through the diversified perspective,combined with the legal risks brought by this P2P implosion,find the shortcomings in the current legal compliance of network lending,draw on the successful experience of the supervision of network lending in the United States,and strive to explore the compliance road suitable for the development of online lending platforms.The introduction part mainly summarizes the research background and significance of the subject,then expounds the current research status of P2P from many aspects,and finally puts forward the research methods and innovations.The first chapter summarizes the concept,characteristics and background classification of P2P,and divides the development history of P2P in China through different periods The second chapter starts with the recent P2P implosion,sorts out the background of implosion,analyzes the impact of the implosion through data,and then makes an in-depth analysis of the causes of the implosion by enumerating the representative cases of-the implosion.The third chapter interprets the implosion from a legal perspective.Firstly,it finds out the participants in the P2P industry and analyzes the corresponding legal relations between the parties.Secondly,start with the legal risks,summarize the long-term risks in the industry',and then elaborates the legal risks brought by P2P implosion from the specific aspects of high rebate and self-financing,illegal fund-raising,false advertising,breach of contract and so on.Finally,find out the inadequacies of the network lending supervision system.The fifth chapter introduces the advantages of P2P industry supervision through the comparative study of the;"Leading Club Violation Case" in the United States,and analyzes the uniqueness of the United States in the regulation and governance,and gives reference and inspiration for the road of compliance of China's P2P platform.The sixth chapter briefly describes the development status of the network lending industry after the implosion,and clarifies the importance of legal compliance under the special period.Interpret the new regulations and policies of network lending,find the direction of compliance development of the P2P platform,and propose a path analysis for compliance from inside and outside the industry,including not only self-examination of the platform.introduction of funds deposit,legal withdrawal from the market,standardize the advertising and so on.Also includes the administrative supervision department to further improve the implementation of industry regulations,do a good job in market access,and effectively protect consumer rights and interests.Finally for the industry to make the filing compliance prospects.