Research On The Regulation Of China's P2P Net Loan

At present,the development of Chinese P2P net loan industry has been being in an increasing scale.It plays an increasingly important role in developing Inclusive Finance,guiding the standardization of private finance,solving the financing difficulties of SMEs,expanding social consumption and improving the efficiency of fund allocation.However,the barbarous growth of this industry has also led to the high risk of the high failure rate of the companies and the frequent fraud in the finance.These negative factors have brought bad influence to the whole P2P net loan industry,at the same time,to a certain extent,it has destroyed the social stability.In this context,the Chinese government began to supervise the net loan industry from 2014.After 4 years of development,China's P2P net loan supervision has made some achievements,but there are still some problems that need to be solved.Because the healthy and stable development of the P2P net loan industry can not be separated from a mature and perfect supervision system.Therefore,it is of great practical significance to further study the problems that exist in the supervision of P2P net loan and put forward the corresponding countermeasures.Based on the study of relevant theory and literature,through detailed data analysis of main management mode of China's P2P net loan industry and the development of it,then introduces the control measures of China's P2P net loan industry,then summarized the development history and current situation of self-discipline and government supervision in China's P2P net loan industry,then further put forward the existing problems in the supervision.At last,we learn from the experience and lessons of the regulation of P2P net loan industry in the United States,Britain and Germany.Based on the above research,the author puts forward eight suggestions,including the establishment of a long-term regulatory mechanism,strengthening the regulatory coordination mechanism,adhere to the principle of moderate supervision,establishing and perfecting the credit collecting mechanism,strengthening the education of investors,establishing the system of P2P net loan insurance,strengthening the construction of self-discipline in the industry,encourage P2P net loan enterprises to improve the mechanism of risk control.I hope to make a little contribution to the further improvement of China's P2P net loan industry supervision.