P2P Network Lending Platform Risk Supervision Research

With the scientific and technological progress and economic development,the Internet financial gradually into public life,including lending to P2 P network platform is also booming.P2 P network lending is the most popular Internet financial familiar to a form,it is different from traditional financial way,through the Internet platform,will both information release on the platform,the platform to review the information authenticity and match the two sides reached a lending agreement.Due to the P2 P network lending does not require collateral,the threshold is not high,simple way of borrowing and so on,is popular among individuals and small and medium-sized enterprises.For individuals,the bank will often go on longer and less risky home loans,for the company,the bank is usually favored a national background of state-owned enterprise or qualifications strong company,These personal consumption loans,and small and medium-sized enterprise credit loans tend to be shut out of the bank.So the emergence of P2 P lending platform,good made up the vacancy of the lending market.This is why P2 P lending platform rise only a short few years,there are so vigorous development.But with the rapid development of P2 P lending industry,risk comes.Platform collapse,run incident occurred a even a loss of investors' principal,also hindered the healthy development of the market.Government functional departments must go through the corresponding legislation and strengthen the supervision of the financial system and to make the sustainable development of the industry.This article will combine the first domestic lending to P2 P network platform "PaiPai Dai" business model,with this to analyze the risk existed in the industry,the causes of risk and industry risk prevention mechanism and study on a series of regulatory problems.The first part is introduction,introduces the research background,the selected topic significance,the research status at home and abroad,the emphases and difficulties of research methods,research and innovation points and research content and research framework.The following article is divided into five chapters: the first chapter for the concept and development of P2 P lending in China.Respectively,this paper expounds the concept and theoretical basis of P2 P lending.The second chapter is "PaiPaiDai" loan lending to network platform of basic situation and the existing risks,this paper expounded the status of the development of the P2 P lending,respectively "PaiPaiDai" loan lending to network platform,"PaiPaiDai" the basic situation of the network lending platforms are the main risk.The third chapter is "PaiPai Dai" loan lending to network platform,risk prevention and regulatory status respectively by borrowing "PaiPai Dai" network platform of the basic condition of risk prevention and risk of borrowing "PaiPaiDai" network platform regulatory status of two parts.Lending to the fourth chapter is "PaiPaiDai" network platform risk regulatory problems cause analysis,in the final analysis is due to a lack of special laws and regulations,lack of industry specific regulatory,lack of escrow account supervision,lack of credit reporting system to establish,backward industry self-discipline.Lending to chapter 5 for P2 P network platform of risk prevention and regulations consummation countermeasure,puts forward six Suggestions,respectively is suggested that the government functional departments for P2 P lending industry laws and regulations,clear regulatory agencies,implementation of escrow system,accelerate the construction of credit system construction in our country,strengthening industry self-discipline organizations and strengthen the system of consumer protection in the industry.