| P2P online lending institutions have filled the blank in the traditional field of private lending online,and provide advanced financial information intermediary services for SME and personal financing.P2P online lending business has the features of low threshold,large & rapid flow of funds,and has further stimulated the vitality of the lending market.Since 2018,China's regulatory authorities have initiated the supervision of the online lending industry,and successively issued the "Interim Measures on the Management of Business Activities of Online Lending Information Intermediaries," and relevant guidance documents such as record registration,information disclosure channels,and fund custody.Credit institutions are required to comply with regulatory requirements,and issued notices on compliance inspections,special rectifications,and acceptance inspections.As a result,P2P online lending institutions in many places were banned or forced to reform for their failure to meet legal compliance requirements.Whether there is any doubt on the legal issues of compliance has obvious research value and significance.This article sorts out the compliance legal issues of P2P online lending institutions,and attempts to propose compliance solutions under the guidance of legal norms and policies.The first chapter introduces the main research issues,background and significance.By combing domestic and foreign literature reviews,master the theoretical research status of the P2P online loan industry,at the same time,clarify the research content and methods of this article,put forward innovation points and deficiencies;Chapter II presents the current status and overview of P2P online loan institutions,including the analysis of the status quo of legal documents in China's P2P online loan industry,studying the qualitative problems of online loan institutions from a legal perspective,summarizing the main operating modes of online loan institutions in the market,highlighting the need for compliance in their establishment and operation,and summarizing advantages & defects;Chapter III sorts out the theoretical support and regulatory mechanism for compliance of China's P2P network lending institutions by summarizing the compliance theory of online loan institutions,discussing the relationship between compliance and internal governance and legal& regulatory constraints,refining the normative sources of online loan institution compliance from the legal and departmental regulatory document level,researching the compliance mechanism,and emphasizing compliance functions;Chapter 4 raises specific compliance legal issues for online loan agencies.It classifies and discusses compliance legal issues,and focuses on issues such as financing guarantees,fund custody,and protection of rights and properties,at the same time,reflects on the motivation for the irregular operation of these institutions,and finds out the focus of compliance inspection work.Chapter 5 discusses the solution of legal problems of compliance of P2P online lending institutions,aims at the proposed compliance legal issues,tries to propose a compliance solution under the guidance of the solution concept,and studies the standardization and feasibility of the solution,to contribute to the compliance operation of P2P network lending institutions. |
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