Study On The Perfection Of Information Disclosure System Of P2P Lending Platform

P2P lending Platform originated from offline lending service.This business model originated in the UK.In 2007,China's first P2 P lending platform “ppdai.com” appeared.Since then,with the deepening reform of China's interest rate marketization and the rapid development of Internet finance,the number of P2 P lending platforms has also increased rapidly.However,due to the short development time,and no mature model can be used for reference,coupled with the imperfect regulatory measures and the lack of relevant laws and regulations,the huge risks of the P2 P lending platform are gradually emerging.In this “savage growth”stage,many P2 P lending companies have experienced operational difficulties,and even run away from the road,which has adversely affected the subsequent development of China's financial order and P2 P lending model.The incident and the “E renting treasure” platform suspected of “naked loans” have a wide impact and wide range of alarms.The image of the P2 P lending platform and the confidence of the market have declined.As of the end of September 2018,there were 4,816 P2 P online lending platforms and problem platforms.The information disclosure of P2 P lending platform is related to the vital interests of investors.Complete and comprehensive information disclosure is the basis for investors to make correct investment judgments.The current P2 P lending platform information disclosure system still has problems,and there is still some room for improvement.Constructing a scientific,perfect,diversified and pragmatic P2 P lending platform information disclosure system is an urgent problem for China's Internet financial supervision and economic development and stability.In view of this,this paper starts with the basic theory of research related systems,draws on the research results and legislative experience of the United States,Britain,France and other countries,and analyzes the status quo and existing problems of the P2 P lending platform information disclosure system in China.Put forward suggestions for improvement,and hope to help China improve this system.This paper first gives an overview of the information disclosure of China's P2 P lending platform.On this basis,the status quo and problems of the information disclosure system of China's P2 P lending platform are analyzed.It mainly includes: the defects of the relevant legal norm system;the dilemma faced by the regulatory mechanism;the lack of a perfect platform market access and exit system;the imperfect credit system;the lack of protection mechanism for the subject's rights and interests.Combined with China's current P2 P lending platform information disclosure system and drawing on the legal provisions of P2 P lending platform information disclosure in the United States,Britain and France,this paper puts forward some suggestions to improve the legal disclosure system of P2 P lending platform in China.