Research On Government Regulation Of Online Lending

In recent years,with the rapid development of China's Internet industry,China's network lending industry has developed rapidly,increasing the number of platforms,especially from 2013 to enter the stage of rapid development.As a new financial power and business format,network lending industry will undoubtedly have a huge impact on the financial industry.network lending industry can have a large audience,because it is through the Internet to make direct debit and credit transactions,the rapid development of the Internet technology in the data source level,making the network lending is not affected by the location and time limit.However,the frequent network lending industry in our country is not problem,project financing is often the Its loopholes appeared one after another.,capital chain rupture,even a lot of illegal fund-raising and Ponzi cases,each lending platform collapse lost situation has become more serious.The standardized operation of the network lending industry in China cannot be separated from the fundamental guarantee of laws and regulations,which cannot be separated from the government's regulatory responsibilities for the development of the industry.This paper is divided into the following four parts:In the first part,the concept and characteristics of network lending platform are briefly summarized,The paper analyzes the main theoretical basis of the government supervision of Internet lending in China,which is the theory of information asymmetry,the theory of regulatory arbitrage and the "public interest theory" ofgovernment regulation.The second part makes a detailed analysis of the current situation of government supervision of network lending in China.Elaborates the problems and causes in the supervision of China's network lending.Network lending in China the main problems existing in the supervision of the government is the government needs to strengthen supervision subject's play of function,imperfect laws and regulations of government supervision,government supervision,government supervision measures to strengthen the auxiliary mechanism problems.The third part of the United Kingdom and the United States on the network lending industry and other government regulatory system for specific analysis.Through the summary of the experience of the United Kingdom and the United States,it provides valuable advice and suggestions for the rapid development of China's network lending industry.The fourth part,in order to speed up the improvement of China's network lending industry government regulatory system suggestions.