Research On The Legal Supervision System Of P2P Network Lending Platform In China

In the 2015 government report,the concept of "Internet +" was first proposed,which means that the Internet has become a powerful engine of innovation and development in China under the "new normal".In the era of the emergence of Internet + finance and inclusive finance,P2 P online lending platforms,as an important part of their field,have also ushered in development opportunities and soon became a representative of financial innovation.Although P2 P online lending platforms under Internet finance are rapidly developing and spreading,they have also exposed a series of negative problems that cannot be ignored.Due to the inadequate legal supervision system in China,the economic and financial environment is surrounded by huge risks.With the continuous outbreak of platform shutdowns and shutdowns,alarms have been sounded to regulators.The fact that P2 P online lending platforms have a lot of inadequate supervision is now in sight.How to regulate the P2 P network platform legally and regulate the development of the platform industry is an important issue.Under the above background,this article mainly discusses how to regulate the development of China's P2 P online lending platform in a healthy and orderly direction under the new normal economy,adopt scientific,reasonable and effective legal supervision measures to promote the transformation of the platform industry and improve the development of the platform industry Quality and efficiency.This article consists of the following five parts: The first part consists of the background of the topic,the significance of the research,and the status of research at home and abroad.This paper introduces some policies and related research theories of the development of China's P2 P online lending platform.To pave the way for the study of the legal supervision system of China's P2 P online lending platform.The second part is a basic overview of P2 P online lending platforms.The types of China's P2 P online lending platforms are roughly divided into three types:information intermediation,secured lending,and debt transfer.Relevant laws and regulations in China define the legal attributes of P2 P online lending platforms.From the perspective of legislative technology,their effectiveness is not high.This chapter also briefly analyzes this chapter.In addition,the unique features of P2 P online lending platforms in the context of the Internet era are also introduced.All these provide a theoretical basis for how to improve the legal supervision system later.The third part introduces the current status of the regulatory system of China's P2 P online lending platform,and interprets and analyzes the existing relevant legal systems.It is mainly carried out through the content of the relevant legal normssuch as the "Interim Measures for the Management of Business Activities of Internet Lending Information Intermediaries" and summarizes the deficiencies of China's legal supervision system in terms of supervision rights and responsibilities,and information dissemination mechanisms.Provide solutions for improving China's legal supervision system later.The fourth part introduces some related legal supervision systems of P2 P network lending platforms in Britain and the United States.Systematically introduce the respective characteristics and experiences of the United Kingdom and the United States from the aspects of regulatory norms and regulatory bodies.The regulatory content of the United Kingdom and the United States focuses on consumer protection measures for borrowers in the design of the system,and this article will focus on the continuous improvement of the regulatory scheme for P2 P online lending platforms.Therefore,this article introduces the respective characteristics and experiences of the United Kingdom and the United States while selectively absorbing energy to provide a better reference for China's P2 P online lending platform legal supervision system and measures,hoping to provide assistance to the development of China's P2 P online lending platform.The fifth part introduces how to take concrete measures to improve the legal supervision system of China's P2 P online lending platform.The supervisory body,the platform's market access and exit mechanism,the information disclosure and credit reporting mechanism,etc.are set out separately,and combined with the shortcomings of China's regulatory system above and the regulatory experience of the United Kingdom and the United States,a proposal with specific talents is proposed.Provide some insights for the development of China's P2 P online lending platform,reasonably allocate risks,realize information sharing,promote transaction efficiency,achieve fair competition,maintain social fairness and justice,and promote the development of social economy and the rule of law.