Research On Legal Regulation Of Internet Financial Lending

Since the end of the 20 th century,Internet technology has enabled the financial industry to make great changes in people’s financial awareness and methods,forming a development model of “Internet + finance”,and people’s financial activities have become more convenient and technological.From the current development point of view,Internet financial lending is a brand new Internet financial business,mainly refers to P2 P network lending and network microfinance.The Internet financial lending platform provides information intermediary services for lending participants,and combines direct lending between individuals and individuals through the Internet platform.Online lending combines Internet technology and financial innovation to enable people to quickly and easily reach lending transactions.However,the Internet finance lending industry is an emerging industry.It has only been developed in China for more than ten years.Due to the problems of China’s relevant laws and regulations,lack of industry supervision,and imperfect credit system,the Internet financial lending industry has frequently experienced problems.Based on the perspective of Internet financial lending,this paper is based on the current imperfect laws and regulations of China’s online lending industry,the incomplete regulatory system,and the imperfect social credit system.It is found that illegal lending,illegal fund-raising,money laundering,etc.are illegal in China’s Internet financial lending industry.The problem of crime,from time to time,some negative events such as the collapse of online lending platforms and the running of money,have brought serious negative impacts on China’s social and financial order.Therefore,in order to make China’s Internet finance develop stably and efficiently,it is necessary to conduct an in-depth study on the important part of Internet finance,namely the existence of online lending,improve relevant laws and regulations,and explore a standardized regulatory system for China.The theoretical foundation of the development of the Internet finance lending industry.This article is divided into five parts.The first part is the introduction,introduces the current academic research status of Internet finance lending at home and abroad,and explains the background and significance of the research on the legal regulation of Internet finance lending in China,as well as the research content and methods of this paper and the innovations and deficiencies of this paper.The second part expounds the meaning of internet financial lending,introduces the concept and characteristics of internet financial lending,introduces the development process of foreign countries,and briefly explains the four stages of development in China.Compare Internet financial lending with traditional financial lending to find similarities and differences between the two.The third part mainly lists the status quo of China’s Internet financial lending laws and regulations.By enumerating the relevant laws and regulations of online lending at present,we find out the problems in China’s Internet financial lending legal regulation,supervision system and rights protection.The fourth part sorts out the laws,regulations and supervision modes of Internet finance lending in the Anglo-American legal system and the civil law countries.It lists the relevant laws,regulations,supervision status and enlightenment of the United Kingdom,the United States,South Korea and Japan.In the fifth part,in view of the problems existing in the current stage of Internet finance lending in China,the paper puts forward some suggestions for regulating the legal regulation of Internet financial lending,such as formulating special laws to constrain them,constructing a reasonable supervision system,and establishing a perfect credit information system.