Research On Supervision And Law Of P2P Online Lending Platform

P2P lending as a new way of borrowing appear in people's life,with the rapid development of Internet financial,P2P lending as a way of financial innovation is active in the lending market of Internet finance,as middlemen of P2P lending,lending to lending to P2P network platform in the P2P network plays an important role,especially in active private lending market,in the process of promote the rapid development of pratt &whitney financial lending to P2P network platform for contribution to a force.P2P online lending provides an innovative direct financing mechanism that covers a wider range of financing for small and medium-sized enterprises and benefits more people,making the P2P online lending industry develop rapidly.With the continuous growth of P2P online lending platforms,more and more problems appear.From June 2018 to today,P2P online lending platforms have been "thundering",causing heavy losses for investors.When the online lending record is confirmed to be delayed for 1-2 years,the risks in the online lending industry will rise again,and P2P online lending platforms will have problems due to withdrawal difficulties.For recent lending to P2P network platform in the "critical Lei Chao",exposed the risk problems of P2P network lending platform,although the state has promulgated a number of legal norms,but established legal policy still exposed some shortcomings,so it is necessary to further regulation of lending to P2P network platform,and to realize P2P platform based on a sound legal policy regulation,make it tend to be healthy and orderly development.The main body of this paper includes a preface,a body and a conclusion,among which the body covers the following five parts:The first part Outlines the supervision of P2P online lending platforms.Lending to define a P2P network,its analytical method such as the use of network platform for financial after collection for loan mode of private lending,summarizes,the characteristics of its operating model and the nature of the platform is a information intermediary,way of borrowing is lending,private financing for the P2P lending platform and summarized the theoretical basis of the legal supervision.The second part is the necessity of supervision of P2P lending platforms.Effective supervision of P2P online lending platforms can help protect the legitimate rights and interests of investors,control the prevailing trend of debt evasion,and stabilize China's Internet financial order is of great significance.In the third part,the author analyzes the regulations governing P2P lending platforms in western countries.The regulatory systems of the United States and the United Kingdom are relatively complete,and constructive Suggestions can be put forward based on the regulatory experience of the two countries and the domestic situation.The fourth part describes the problems and regulatory loopholes existing in China's P2P online lending platforms at the present stage,as well as the relevant measures that have been introduced in China.The fifth part,based on the national conditions,puts forward countermeasures and Suggestions for the supervision of P2P lending platforms.