Research On The Perfection Of China's P2P Information Disclosure System

Peer-to-peer network lending(P2P network lending)has grown wildly,and the public and regulatory authorities started to pay attention.Recently,The regulatory authorities enacted numerous regulatory policies to guide the P2 P network lending platform,A large number of P2 P network lending platforms gradually exit,Under new condition,the problem of information asymmetry restricts its healthy growth.P2P network lending is the necessary supplements to traditional finance.its has high-tech,low-cost,internet connection,user experience and other attributes.However,the development of P2 P network lending has been deeply disturbed by the problem of information asymmetry.In the past two years,Although the government has enacted a large number of legals,the problem of information asymmetry is still a very important issue.The information asymmetry causes problems such as illegal fund raising,fraud,and false disclosure.This paper takes information asymmetry as the perspective,analyzes the advantages and disadvantages of various systems to solve information asymmetry problems,and think that information disclosure system is the optimal system.The article is mainly divided into five chapters:The first chapter mainly describes the historical development of the P2 P network lending.Discussed in two levels,Mainly includes the historical development of domestic and foreign,the operation status of China's P2 P network lending platform?The second chapter mainly describes the problem of information asymmetry in domestic P2 P network lending industry.and demonstrates the seriousness of the P2 P network lending industry by comparing the difference between the traditional private lending relationship and bank lending.The problem of information asymmetry has adverse consequences for industry growth and financial consumers,and the government has encountered many difficulties.The third chapter mainly describes various solutions to the problem of information asymmetry.This chapter analyzes a variety of ways to solve information asymmetry.It isconcluded that the information disclosure system has its unique functional advantages.The fourth chapter analyzes the development status and inadequacies of China's P2 P network lending information disclosure system.The construction of information disclosure system is still in the process of exploration.The existing information disclosure system provisions only exist in the ? Interim Measures for the Management of P2 P Business Activities?and ?Information Disclosure Guidelines of P2 P network lending?.?Internet Finance Individual Lending Information Disclosure Standard? enacted by Internet Finance Association?Information disclosure system is not perfect.Actually,there are false disclosures,selective disclosures,untimely disclosures,and incomplete problems in information disclosure.Chapter five proposes sound suggestions,Including the four aspects of the object of information disclosure,the content of information disclosure,the way of information disclosure and the consequences of non-disclosure.