A Study On The Prevention And Control Mechanism Of P2P Network Loan Mass Incidents

Under the special historical background of China's institutional transformation and social transformation,the emergence of Internet plus new business forms has contributed to the vigorous development of the financial industry.As an important part of China's inclusive finance policy,P2 P online lending is one of the most active forms of Internet finance in China with high public participation.The government's supervision over this emerging form is strictly refined year by year,but there are still some loopholes.It is worth noting that the objective existence of financial risks can easily cause industrial turbulence and affect the interests of investors.At any time,they may transform from the network field to the real field and gather into a rights protection group,thus inducing mass incidents.In view of this,this paper tries to analyze and improve the appropriate prevention and control mechanism from the perspective of preventing and controlling this type of mass disturbance.This paper first summarizes the research status at home and abroad and the research framework of this paper.Theoretically,this paper first analyzes the causes of group distress in P2 P lending from psychological and social dimensions.Then,this paper analyzes the background of P2 P development and the existing problems,and selects a group of platforms to study the social problems caused by the failure of P2 P lending platforms,as well as the group incidents.The background characteristics and evolution process are analyzed.Secondly,three typical and representative events of the same type that all took place in first-tier cities were selected as the main research object.In the process of reviewing the real events,generality and characteristics of the case events are summed up,and the general law of the events brings enlightenment to this paper.Based on the truth and universality of the research results,this paper provides a practical reference for the proposed countermeasures.Thirdly,the study also referred to the general situation of the prevention and control mechanism of similar events.In recent years,local governments have accumulated certain experience in the prevention and management of group incidents through practical summary.They have adopted different prevention and control measures in response to P2 P group incidents at different time periods,and obtained quite different results.This paper summarizes the problems existing in the main prevention and control mechanism of group incidents caused by P2 P lending,and analyzes the basic problems existing in such incidents from two aspects: the unsound supervision mechanism of the industry and the insufficient risk identification by the government.Finally,in the context of frequent illegal operations of P2 P companies,this paper,based on the theoretical basis of information asymmetry,emergency regulation theory and other theories,combined with the empirical analysis of typical cases,makes targeted efforts to strengthen the "strict supervision" strategy--improve the government industry supervision system,improve the protection system of investors' rights and interests;Launch and promote the means of "special governance"--promoting the simultaneous promotion of restrictions and guiding the benign and long-term development of P2 P online lending industry jointly by political and media organizations;To eliminate the social risks caused by P2 P lending and other aspects,and to develop new ideas to improve the prevention and control mechanism of group incidents in P2 P lending,thus providing reference for the construction of a stable and harmonious social mechanism.The innovation of this paper mainly includes three aspects: first,the group incidents caused by P2 P lending are studied for the first time,which is a hot issue in the current society;Second,three typical events happened in recent years are selected as case study,which makes the research results more real and objective from the perspective of timeliness.Third,from the typical case to the deduction of the same type of case to establish a more complete logical analysis framework.