Research On The Record Registration Management System Of P2P Network Lending Platform

Internet finance represented by P2P network lending has the advantage of being convenient,flexible,fast and low-cost compared with the traditional financial industry.Since entering China in 2007,P2P network lending has been favored by many lenders and borrowers,effectual settling the problems of financing difficulties for SMEs,high financing for agricultural farmers,and high threshold for personal investment and wealth management.It has become an integral part of China's financial market and a private sector.Another form of lending.However,accompanied by rapid development,there are platform alienation,management running,capital chain breaks,cash withdrawal difficulties,and Untrustworthy person-fashioned online loans.After P2P online lending experienced a spurt of growth,China has successively issued a series of normative legal documents.A behavioral supervision system with information disclosure,fund depository and investor protection as the core has been formed.However,only perfect and effective institutional supervision can promote the sustainable development of the industry from the perspective of market entities and from the source of governance online loans.The research object of this paper is the Record Registration Management System of P2P Network Lending Platform,In the course of the research,a large amount of literature was reviewed,and an empirical analysis was conducted on the online loan platform that had been filed.Based on the legal attributes of the platform and the theoretical basis and nature of the online loan platform filing system as the logical starting point.It explores the purpose of system implementation,introduces the development process and content,analyzes the existing problems,and proposes the concept of perfecting the record registration management system based on the status quo of China's online loan supervision.The context and main points of this paper are as follows:There are four parts in this paper.The first part introduces the current situation of the development of online lending in China and the current regulatory system.The second part,analysis of the relevant theory of the registration system;the third part,according to our current practice of the registration system,explore the problems of theRecord Registration Management System.The fourth part,in view of the existing problems,puts forward suggestions to improve the system.The main points of this paper are as follows:Firstly,the existing legislation stipulates that the registration of registration does not constitute an endorsement of the degree of compliance of the platform,which is inconsistent with the purpose and implementation of the system.Secondly,supervision department should adhere to the supervision principle of the national unified filing standards.Third point because online lending is one of the forms of inclusive finance,which helps disadvantaged groups to obtain diversified financial services,the principle of inclusive supervision should be adhered to in the process of promoting the registration and registration management system.