Research On The Government Supervision Of P2P Network Lending

Internet finance is different from traditional finance in terms of trading technology,channels,service subjects,ways and so on.The current P2 P Network Lending risk occurs frequently,which has a serious impact on the financial system and social stability.How to effectively monitor the Internet finance and make it serve the economy and social development has become particularly necessary and urgent.At present,China's Internet finance government supervision system is still not perfect,and the supervision mechanism is not coordinated,while the supervision subject is not clear,and the supervision policy is imperfect,as well as the supervision method is relatively lagging behind.In order to explore the more standardized and healthy development of the P2 P Network Lending Industry,according to the relevant thoughts on the Innovation of Government Supervision Theory,it is proposed to conduct innovation supervision not only by balancing financial innovation and risks management,but also macro-prudential and micro-guided,combined with short-term guidance and long-term norms.On the basis of the original supervision system and measures,the supervision effects and quality should be improved by establishing and prefecting the P2 P Network Lending supervision legal system,formulating a suitable access and exit mechanism,establishing the information reporting mechanism and difining the information disclosure requirements,strengthening the construction and application of the credit information system.The specific path of normalized supervision should be improved effectively through the construction of streamlined and efficient supervision system,strengthening the risk control awareness,strengthening the system supervision,promoting effective guarantees,strengthening the protection of investors' legitimate rights and interests,improving the financial market statistical system.At the same time,the P2 P Industry Associations should play the role of self-discipline actively,and the monitoring mechanism for the participation of the whole people should be established,to further optimize and improve the development environment of the P2 P Network Lending Industry.