Research On Legislation And Supervision Of P2P Lending In China

The typical representative of Internet finance is P2 P online lending which has been in full swing in recent years.It is also a new innovative transaction mode in Internet finance.The emergence of this mode has promoted the active degree of the private lending market,the sound development of inclusive finance and the popularization of the democratic concept of finance.Nowadays,there are various types of investment channels.P2 P online lending stands out in the financing market with its yield rate much higher than that of other financing channels.However,while the P2 P online lending industry is booming,many problems have been exposed.In particular,P2 P online lending platforms spread from abroad to China in combination with China's national conditions and finally produce dissimilation to provide credit enhancement services,which greatly increases the risks faced by the platforms.This paper interprets the legislative regulatory documents issued by various ministries and commissions.,combined with the development status,risks and legislative deficiencies of P2 P network lending,this paper takes the regulatory issues as the foothold and conducts research in different categories.The fourth part is about the status quo of P2 P network lending legislation supervision.This part discusses the current situation of China's current legislative system,the status quo of legislative orientation,the status quo of legislative supervision,and the status quo of legislative business rules.Finally,it summarizes the shortcomings and shortcomings of China's legislative supervision.The fifth part is aimed at the legislative supervision recommendations proposed above for China's P2 P network lending.This chapter mainly proposes corresponding legislative supervision recommendations in the three aspects of pre-regulatory measures,regulatorymeasures,and post-regulatory measures.These measures cooperate with legislative supervision measures to improve the related security mechanisms,such as improving the construction of credit information system and establishing an industry self-regulatory system.