Research On P2P Platform Operation Model Research Under China's Laws And Regulatory

P2P network borrowing refers to the creation of a network information platform,enterprises or individuals in the platform to complete the financing of the new way,the lender to collect interest,through the platform of people who need funds to provide small loans,the industry's easy financing just to achieve Pratt & Whitney financial.2007 patted the loan to become China's first P2P platform,once the explosive growth trend,but the P2P network lending industry in the development process is not smooth sailing.The end of 2015 a large number of platforms on foot,fraud investors,capital strand breaks and other issues,the community questioned the P2P industry.But the industry as an important bridge Pratt & Whitney financing,how healthy development is the investors,borrowers and regulators are very concerned about the issue.In this paper,we analyze the operating mode of P2P network lending platform and the current regulatory environment,and find out what kind of operation mode the industry should operate under the current supervision condition.Only then can the industry develop sustainably.This paper has five chapters: introduction,domestic P2P platform supervision environment and operation mode analysis,foreign P2P platform monitoring environment and operation mode analysis,the current regulatory environment,the design considerations and P2P industry future prospects.This article mainly through the case analysis obtained in our country under the current regulatory environment to what model can be sustainable development considerations,including the platform itself needs to consider factors,including external regulatory factors.This paper chooses Hongling Venture,which is representative of the current P2P platform,and Zopa,the UK platform,to analyze the influence of supervision on the operation mode.At the same time,from the platform itself and the regulatory environment,To ensure the sustained and healthy development of P2P platform.