Study On Peer To Peer Lending Platform Admission System

As the national economic deepen reform,the financial industry has also ushered in new development opportunities.Based on traditional finance,Internet finance,which introduces Internet technology,is an innovative financial service.The main service forms include Internet crowdfunding,third-party payment,and P2 P lending.Different from traditional bank lending,P2 P lending is a financial intermediation mechanism that uses P2 P lending platform to integrate and lend funds.Its business model can be divided into pure information intermediary,credit guarantee and credit transfer.Since its inception in 2006,the P2 P lending platform has undergone a start-up period,a rapid development period,a risk outbreak period and a rectification and stabilization period.As of now,its development status has become increasingly stable.However,the issue of access control for P2 P lending platforms has not been effectively resolved,and it has become the biggest obstacle affecting its long-term development.For a long time,because the access control system is not perfect,P2 P lending platforms have different levels of problems in the subject of admission,object and standard system.First,the system of access to the supervisory authority is imperfect,which is manifested in the absence of a legal system for the admission of supervisors and the establishment of a division of labor and coordination system for the entry of supervisors.Second,the access control system is imperfect,and the performance is that there is no regular reporting system and no entry qualification system for employees.Third,the access control standard system is imperfect,which is manifested by the failure to establish a regulatory capital access regulatory system and the establishment of a qualified investor system.How to solve the problems existing in China's P2 P lending platform access system,so that it can effectively regulate the P2 P lending platform while fully retaining the broad development space,which is the research focus at this stage.Because the P2 P lending platform was first established in developed countries such as the United Kingdom and the United States,the above-mentioned countries also established the P2 P lending platform access control subject,object and standard system.China's P2 P lending platform is in the critical stage of compliance filing,and should also accelerate the improvement of the access system for online lending platforms.Therefore,after examining the P2 P lending platform access control system in the United Kingdom and the United States,the following lessons can be learned.The first is to learn from the US P2 P lending platform information disclosure system;the second is to learn from the UK P2 P lending platform floating registered capital amount system;the third is to learn from the British and American P2 P lending platform access regulatory legal system.At present,China should proceed from the following three aspects to improve the P2 P lending platform access control system.In terms of the system of admission to the supervisory body,it is necessary to formulate China's "Internet Finance Law" as the primary task,thereby clarifying the P2 P lending platform's access to the supervisory authority,the authority to enter the supervisory body,and the division of labor and coordination of the supervisory body.In terms of the access system,the system of regular reporting and the qualification system for entry of employees should be focused on the existing information disclosure system and fund depository system.In terms of the access standard system,the registered capital access system and the qualified investor system should be focused on the existing industrial and commercial registration system and the telecommunication business operation permit system.The establishment and effective implementation of the above-mentioned access control system will contribute to the sustainable development of the P2 P lending platform,and will also help the P2 P lending market to play a more important role in increasing economic liquidity and enhancing financial vitality.From the perspective of the article structure,this article is divided into the following four parts in addition to the introduction and conclusion: The first part is an overview of the P2 P lending platform and its access system.This section briefly describes the general theory of the P2 P lending platform,the access control system of the P2 P lending platform and the theoretical basis for its establishment.The second part is the status quo of the access control system of China's P2 P lending platform and its main problems.This part analyzes the status quo of China's P2 P lending platform access control system from the perspective of admission to the regulatory body,object and standard system,and summarizes its main problems.The third part is the investigation and experience of the foreign P2 P lending platform access control system.This part of the P2 P lending platform access to the regulatory body,object and standard system in the United Kingdom,the United States and other countries have obtained corresponding experience.The fourth part is the improvement of the access control system of China's P2 P lending platform.Based on the inductive problems and experience,this part puts forward the perfect path of China's P2 P lending platform access control system from theaspects of admission to the regulatory body,object and standard system.