The Research On The P2P Loan Investor Suitability System

P2P loans as a newly emerging thing,because of high investment income,P2 P loans has attracted a large number of investors to join in a short time.Due to P2 P loans inclusive financial properties,no threshold,in terms of investors access to a large number of investors no investment experience into the loan market to invest in P2 P network,and they are widespread lack of basic knowledge and skills to assess the needs of investment risk,the vast majority of investors to carry out full of irrational behavior in the process of investment.Investors are irrational investment behavior,seriously damaged caused their own rights and interests of investors,but also make the market there are a large number of illegal platform growth soil.After major risk exposure,in turn lead to a group of investors because of the severe economic losses cannot be redeemed and emotional,and even lead to mass incidents,caused adverse social impact and the decline in the industry's reputation,affect the healthy development of the P2 P network lending industry.In combination with other markets,aimed at investors irrational investment behavior,depending on the investor eligibility system to be restricted,by establishing an effective investor eligibility system,as far as possible to ensure that investors in the investment of investment for the rational investment,thus suggest P2 P loans also should establish its own system,the eligibility of investors in order to improve the current mess.In this paper,and discuss to establish P2 P loans investor eligibility system,should be covered by the connotation,principle of formulation,and should focus on the risk of investors.On this basis,put forward to system,organization,method of the construction of the three angles.In the aspect of system,and puts forward the investors access to investors,investors classification,warning,investor education and protection of the rights and interests of investors,investors supervision six aspects as the main system.From the aspects of organization,puts forward the rely on banking regulatory authority under the state council and its dispatched institutions,the people's government at the provincial level,the Internet banking association,and the network credit intermediary platform synergy,the ministry of industry and information technology,the ministry of public security,state Internet information office three parts to assume part of the work content,respectively.From the aspects of method,put forward by legal means,administrative means,self-discipline,and four aspects to achieve the contract design.In conclusion,this paper recounts the P2 P network system of suitability investors to establish the necessity,Suggestions to strengthen the discussion and practice it as soon as possible,test theory,in practice,constantly adjusting,in order to establish as soon as possible can really promote the healthy development of the P2 P network lending industry suitability system of investors.