Causes Of Public Trust Crisis In Internet Loan Intermediary Platform And Its Countermeasures

In the past ten years,the Internet Finance intermediary platform,as a lending model,has been developing in depth all over the world,and has gradually been recognized and concerned by people.With the rapid development of Internet finance,problems such as poor self-restraint of Internet lending intermediary platform industry,confusion of Internet lending enterprises,rising and falling credit defaults,difficulties in protecting investors' rights,and imperfect supervision and management system are gradually exposed.This paper takes "Tang Xiaoseng" as an example to analyze the causes of the crisis of China's online loan intermediary platform,the impact on public trust,and put forward countermeasures.The establishment of trust mainly depends on the characteristics of the customer and the institutional guarantee provided by the state,industry and third-party institutions.The trust crisis in China's online lending intermediary platform is mainly due to the lack of market supervision.Improving the market supervision of Internet finance is the main way to fundamentally solve the trust crisis of online lending intermediary platforms.Based on the theory of public management,this paper uses public policy analysis methods to conduct policy case analysis and evaluation of the case of "Tang Xiaoying".From the perspective of public governance,through the excellent experience of crisis prevention and control of online and lending intermediary platforms at home and abroad,and the analysis of the current regulatory system of the Chinese government,the paper proposes a targeted combination of the construction and supervision policies of China's online lending intermediary platform risk control system.The suggestion also puts forward corresponding countermeasures for the trust crisis of China's online lending intermediary platform.The research results of this paper will provide suggestions for the construction of Internet financial supervision and governance,and provide assistance and reference for the compliance regulatory objectives of China's Internet financial order.