Analysis And Countermeasures Of Fund Raising Risk Of Chinese P2P Internet Loan&Lending Platform

As a financial innovation,"P2P internet loan&lending platform" makes remarkable business miracle over the world.The P2P loan platform will be responsible for credit checks and facilitate the establishment of loan agreements through the establishment of an Internet platform that publishes information on people who are willing to borrow.The existence of this platform can drive the supply and demand of the private loan market,allowing the market to determine the interests rates,vastly aggrandize the productiveness of lending in the private loan market.It also makes the unbelievable negative"miracle" which surprises the world.After the hoax of Fanya Metals Exchange,the E Zubao which is alerted and ranked C-by Rong 360 company,continues to raise illegally tens of billions of yuan in a short period.The E Zubao makes hundreds of thousands of investors cheated out.From the abnormal prosperity in 2014 to the embarrassed situation in the latter half of 2016,P2P internet loan&lending industry in our country has experienced a roller coaster ups and downs.The urgent problem which need to solve is how to effectively prevent the risk of illegal fund-raising which may erupt at any time.The research purpose is to analyze and quantify the risk of illegal fund-raising by the platform so that the debtor and the lender as well as the supervisor,or even the platform itself are able to realize the potential illegal fund-raising issues.The research purpose is to explore how to establish a perfect supervision system for illegal fund-raising risk and to protect investors'interests and meanwhile to promote the credit system of the whole country,which benefits the risk prevention in financial field,enables P2P internet loan&lending platform to fully realize profits by inclusive finance,calibrates and flourishes private lending and thus impulses the persistent innovation and reform of the financial administration system inversely as making the impetus of dynamic development in financial aspects.Meanwhile,the analog complexing model is applied to carry out empirical research in order to find out the effective forecasting method for the problem platforms.In chapter one,the literature's the context.importance and approach are briefed.The next chapter is a literature review,including the study status at home and abroad of the P2P internet loan&lending platform's illegal fund-raising risk and the comments on the study status at home and abroad.The chapter three mainly identifies the P2P internet loan&lending platform's behavior,including the illegal fund-raising issues caused by P2P internet loan&lending,the administrative law and criminal law on P2P internet loan&lending's fraudulent fund-raising,the current legal regulation of P2P internet loan&lending illegal fund-raising behavior,and the regulation predicament's root cause.The fourth chapter analyzes the current illegal fund-raising situation and characteristics about China's P2P internet loan&lending platform through empirical analysis.In chapter five,this literature systematically elucidates the ways and forms to establish multi-supervision to prevent default from three dimensions of macro,meso and micro.Macro level is to establish a internet loan&lending platform functional financial regulatory system,meso level is to restrain the P2P internet loan&lending platform industry through establishing industry rules and laws,micro level,combined with the latest technology,is to identify the P2P internet loan&lending enterprise's risk.It will identify and prevent risk from all-around and multiple directions.The sixth chapter is a review of the above-mentioned remarks.