Research On The Legal Regulation Of Peer-to-Peer Network Lending Platform In China

Under the development situation of "Internet finance",the emergence of P2 P network lending breaks through the traditional lending mode,develops and innovates financing channels and ways,and provides more convenient financial services for the development of real economy.On the one hand,compared with the traditional financial industry,P2 P network lending has very obvious advantages,such as low threshold and high efficiency.In recent years,P2 P network lending plays an increasingly prominent role.On the other hand,due to the lack of legislation,P2 P network lending field has been lack of effective supervision and restriction for a long time,making use of P2 P platform illegal fund-raising,fraud and other illegal things.It is a common occurrence.The reason lies in the inadequate supervision of the law and government,the operation of P2 P platform,the imperfect mechanism of information disclosure such as financial funds and so on.Therefore,in order to effectively rectify and standardize all kinds of chaos in the field of P2 P network lending,guide the orderly development of Internet financial market,and strengthen the research on legal supervision of P2 P network lending platform has very important practical significance.This thesis is divided into five chapters.The introduction focuses on the background,significance,content and method,technical route of the research,and reviews the research progress of P2 P network lending at home and abroad.Chapter 1,defines the concept of P2 P network lending through concepts,types,subjects and platforms,and introduces the operation mode of P2 P network lending platform and the operation situation of the industry.Chapter 2,analyses the legal status quo of P2 P network lending in China.Secondly,it analyses the legal risks in the operation of P2 P network lending platform in China from various angles and different objects.Finally,it discusses the supervision problems of the operation of P2 P network lending platform in China,including imperfect credit evaluation system,imperfect market access and exit mechanism,and opaque information disclosure system.And the means of risk control are not strict.Chapter 3,taking Britain and the United States as examples,introduces the legal supervision of the extraterritorial P2 P network lending platform,as well as the mode and legislative construction of network lending,from which we can get inspiration and reference.Chapter 4,by drawing lessons from the legal supervision of P2 P network lending platforms in Britain and the United States,and on the basis of extensive collection of data and theoretical research,and further based on economic law,civil and commercial law,criminal law and other legal perspectives,this paper probes into,analyses and puts forward the establishment and improvement of the system and legal system of P2 P network lending supervision,in order to effectively promote and standardize the health of P2 P network lending.Order development.