| Online lending refers to the online lending platform that uses online technology to connect lenders and borrowers online to make lending transactions.Since the establishment of China's first online lending company in 2007,the online lending industry has developed rapidly in China and has grown into another billion-dollar market.The rise of the online lending industry has broadened investment channels for ordinary people on the one hand,and helped the small and micro enterprises and the real economy on the other hand.At the same time,the phenomenon of chaos in the online lending industry is becoming more and more serious:the online lending platform is violent and ran away,and ordinary investors are suffering.Therefore,it is imperative to carry out heavy supervision on China's online lending industry.This thesis focuses on the online lending industry.The three main players in the online lending industry are the online lending platform,borrowers and lenders.Through the analysis of the cancept and characteristics of online lending,the significance of its existence and the reasons for its rapid development are discussed.By defining the concept of online lending platform,distinguishing it from other similar companies,and then expounds its legal nature:information intermediary,not credit intermediary.The main legal relationships and legal risks that exist in the online lending transaction reveal the need to supervise online lending.Learning from the outside world,especially the regulatory practice and regulatory characteristics of the UK and the United States on their domestic online lending,has significant implications for China's regulatory reality.Taking "Xiamen Sifangqian" as an example,an empirical analysis is made:under China's current regulatory system,how does regulation and regulation regulate the development of online lending platform,and how the online lending platform actively "embrates compliance" and follows an orderly and healthy development path?Finally,this thesis puts forward some suggestions for the improvement of China's online lending supervision system:it is divided into two aspects:supervision ideas,principles and specific measures,and strives to contribute to the development of the online lending industry. |
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