| With the increasing development of social economy and science and technology,China's Internet financial sector,and all kinds of social media came into being,and in the development of mutual integration,mutual influence,in such a development background and the needs of social development,P2P network lending and grow up.In practice,it is not difficult to see that many small and medium-sized enterprises,self-employed investors and all kinds of investors realize the means of borrowing with the aid of P2P network loans.At present,P2P network lending mainly launched business is to debit and credit to provide more direct financial services,including credit rating,investment inquiries and so on.From the perspective of the developing process,compared to the western developed countries,development started in the P2P network lending in China is relatively late,the current is still in the early stages of development,in the operation of the whole process there are still many places needed to be improved and perfected.However,it is undeniable that when the P2P network lending into the Chinese market,the pace of its development is amazing,the development of the industry is relatively rapid.Of course,in the process of development,and is also increasingly exposed various problems,because lending through P2P network lending platform and the problems often occur,such as illegal fund-raising,capital chain rupture and so on,these problems will undoubtedly lead to public questioning,thus affecting the maintenance and expansion of customer groups.In the course of the development of things,it is often tortuous,P2P network borrowing is no exception,but facing problems need to be resolved and effective response.China's regulators should strengthen the supervision and management of network lending,through the introduction of relevant policies to promote the standard P2P network lending industry operation,to maintain a good relationship between debtors and creditors,the three-party platform,to ensure that the P2P network lending platform the healthy and orderly operation.Therefore,it is of great practical significance to study how the government should improve the supervision of the P2P network lending industry and promote the healthy development of the industry.This article is divided into the following five parts:The first part briefly introduces and introduces the concept and development characteristics of P2P network lending platform,and points out the impact of the development of P2P network lending on the financial industry combined with the external financial environment.The second part of the relevant content in the implementation of supervision work of the current P2P network lending industry in China are expounded,and points out the current situation and from different angles,points out the existing problems in the process of supervision.The third part,in order to better provide the thesis with arguments and arguments,the author makes a comparative analysis of the government regulatory system in the United States and the UK which are more mature in the P2P network lending industry.In the study,pointed out that the two different modes of operation,and on the basis of summarizing the advanced and successful supervision experience,based on our national conditions,and put forward constructive suggestions on how to promote the development of network lending industry in China P2P.The fourth part,based on the above China pointed out during the development of P2P network lending,government regulation problems and try to put forward the related measures,aims to the theory and practice of improving the P2P network lending industry development and progress.At the same time,it also puts forward the idea of establishing and perfecting the national credit reporting system and establishing the mechanism of industry risk control.Finally,the P2P network lending industry itself made recommendations and requirements,to ensure that the industry's healthy operation,we must strengthen self-discipline in the industry. |
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