Research On P2P Platform Supervision System Under The Mode Of Yixin

With the development of the Internet finance,P2 P network lending platform become a representative financial instrument of network.It not only has the feature of the folk debit and credit but also combines with internet technologies,which play its unique features more widely.So it realizes the true meaning of "inclusive finance".The network loans in China industry develop quickly,and its models derive into various types,but its high risk is feared.Since 2013,the countless platforms start to close,and the current internet financial markets is being chaos,the " building-collapsebuilding-collapse" cycle is under way.The companies that be able to do from the beginning to the end are very few,and still insist on real profitable platforms are even scarcer.This phenomenon is at the root of the country's imperfect regulatory system.This paper first describes the background of P2 P lending industry,development and current situation,the problems and the necessity of regulation.Secondly,research the main operation and supervision of lending platform in United States.Thirdly,it analysis the cause of YI XIN became "the shadow Bank" and China P2 P industry exists regulatory problems through the development of P2 P industry supervision in China.Lastly,it propose the regulatory idea of China P2 P lending industry from the refinement of domestic network loan regulatory duties,access standard,range of supervision,and the strengthening of levy letter regulatory industry.