Research On The Supervision System Of China's P2P Online Lending Platform

In recent years,P2 P network lending,as a form of Internet finance developed by relying on Internet technology,Open up and innovate financing channels and methods,and provide powerful conditions for the development of the real economy.The lending model of online lending initially developed in European countries such as the United Kingdom,and in 2007 it gradually became a high-profile form of financial services in China's Internet finance industry.Since then,many P2 P online lending platforms have emerged at the right time.While promoting the development of Internet finance,they have also exposed many problems of P2 P online lending platforms.During the more than ten years since 2007,according to statistics,China 's P2 P There are as many as thousands of illegal phenomena in the online loan industry,and the problem platforms account for more than 50% of the total platforms.At the end of2016,the State promulgated the "Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries" and formally introduced P2P-related regulatory measures.Since 2018,P2 P online lending platforms have concentrated on “thunderstorms”.The related economic crime cases have the characteristics of large scale,rapid spread,wide coverage and strong deception.It has caused serious infringement to the relevant subjects involved in the loan transaction,and also brought many unstable factors to the economic and social development.P2 P thunderstorms swept across the country,and there were countless platforms for road running and bankruptcy,and there were numerous chaos like overdue payment.Hidden behind high returns is the emergence of risks,and the lag of the law for the sake of guarantee also emerges.Therefore,it is very important for relevant departments to improve the supervision system of the P2 P online lending platform.This article starts with an overview of the P2 P online lending platform,explains the related concepts and current status of the P2 P online lending industry,and secondly,protects individual transaction security and stabilizes the national financial order from two theoretical basis angles of national intervention theory and information asymmetry theory From the perspective of practical significance,it explains the necessity of supervision.Then,based on the current situation of China's P2 P online lending platform supervision system,the deficiencies of China's P2 P online lending platform supervision system are analyzed.Finally,suggestions for improving the supervision system of China's P2 P online lending platform are proposed,including the improvement of the supervision subject system and system,the improvement of the industry access mechanism and the exit mechanism,and the three aspects of the supervision system.