| Since the beginning of the 21 st century,with the popularization of Internet and the development of computer technology,information technology has been applied in several fields,such as manufacturing industry,processing industry,financial industry,etc.Objectively,the rapid development of Internet Finance in recent years,has injected new vitality into the traditional financial industry,and brought convenience to citizens' investment and consumption behavior.However,because of the lack of domestic supervision on Internet finance,different forms of risks are highlighted,among which the P2 P lending platform risk is more prominent.In June 2007,the first online loan platform in China,PaipaiDai,was established in Shanghai,marking the launch of P2 P lending platform.Subsequently,many P2 P lending platforms have been set up all over the country,and the P2 P lending industry soon entered a high-speed development period.By the end of 2018,6555 P2 P lending platforms had been set up in China,with a total turnover of 8.03 trillion yuan.However,there are many hidden dangers in the process of development,because the wild growth was without supervision.With the introduction of relevant regulatory policies and the gradual establishment of the regulatory system,a large number of platform risk problems have begun to appear.Especially since the promulgation of the Interim Measures for the management of business activities of online lending information intermediaries in August 2016,there have been P2 P platforms concentration "Thunderbolt" events in various regions.Even within 42 days from June 1 to July 12,2018,104 P2 P platforms had problems of running,delaying payment and so on,including many well-known platforms,such as "Qianmancang" and "Tang xiaoseng".By the end of 2018,there were only 1089 normal operation platforms,2791 platforms closed or transformed and 2675 platforms had problems.In2019,the "opinions on the classified disposal and risk prevention of online loaninstitutions" was issued,further tightened the cage of regulatory system,a large number of problem platforms had to faced the results of liquidation or transformation,and also made the development of P2 P lending industry had to faced more uncertainty.The centralized emergence and retirement transformation of the problem platforms not only reflects the effectiveness of the regulatory mechanism from scratch and the regulatory strength from weak to strong,also highlights the urgency and necessity of P2 P platform risk research and regulatory countermeasures improvement.In recent years,with the gradual introduction and improvement of P2 P lending supervision system,a large number of platforms have concentrated "Thunderbolt",which damages the interests of platform participants,especially investors,but also to some extent interferes with the financial supervision order.The reasons of the problems are many aspects,including the reasons of stricter supervision situation and constant remedy of regulatory gaps,as well as the extensive operation and management of P2 P lending platform itself.The reason for the weak awareness of risk prevention,and even some platforms have illegal fund-raising and other illegal acts to some extent.Therefore,this paper will explore the deep-seated reasons for the "Thunderbolt" of P2 P lending platform,and how to conduct targeted supervision of P2 P lending platform as the focus of the research.Combined with relevant cases,this paper analyzes the reasons of "mine explosion" platform in self-management and external supervision,so as to explore effective countermeasures for improving risk control and supervision system construction.As a financial regulator,the author hopes to analyze the risks of P2 P platform,compare the similarities and differences between P2 P platform risks and banking risks,combine the banking regulatory experience,and learn from the regulatory experience of European and American countries,in order to provide feasible suggestions for the regulatory Countermeasures of P2 P platform. |
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