Research On The Government Regulation Of China's P2P Loan

P2P loan,is a collection of small funds,borrowing through the Internet platform to demand funds crowd,the realization of direct borrowing between people.Studying the government regulation of P2P loan is of great significance to the development of China's economy and the realization of inclusive finance.P2P loan entered China in 2006 and developed rapidly.It experienced such stages as initial stage,expansion period,risk outbreak period and government regulation on the industry rectification period.Forming the characteristics of P2P loan with Chinese characteristics.In this paper,literature analysis,comparative analysis,case analysis and other methods,based on the theory of public management,are discussed.This paper analyzed The status of P2P loan.Discuss the problems facing government regulation of P2P loan.The details are as follows:the lack of supervision,the confusion of information disclosure,the confusion of the supervision departments,the lag of supervision measures,the low supervision and the government dependence on the transition.Put forward the unfavorable reason of P2P loan government supervision in our country.The lack of relevant laws and regulations,the lack of perfect credit system,no standard to the information disclosure,the old supervision idea,backward supervision,self-discipline Association imperfect are factors affecting the effect of government regulation.By comparing and analyzing the regulatory measures implemented in Britain,America,get the advanced supervision experience and put forward the enlightenment to our government supervision.Finally,according to China's national conditions,put forward countermeasures to improve P2P loan government supervision in china.Including the improvement of laws and regulations,construct the mechanism of multi sectoral cooperation,handle the relationship between development and supervision,implement perfect whole process supervision,improve self-discipline and strengthen public education.