Research On The Supervision Of P2P Network Loan In China

Our life style changes hugely in recent years, mostly because of the appearance of the Internet finance. The Internet finance has already permeated every aspect of our life. As one of the Internet finance model, P2 P net loan develops extremely fast as well.The emergence of P2 P net loan provides the small and medium-sized enterprise new financing channels, also provides a new way of investment for investors. However, it also shows lots of problems and brings many risks with its rapid development. Thus how to supervise and manage this industry becomes an important subject for the financial people.This article firstly teases the three theoretical basis of the P2 P network credit platform, including Internet financial theory, financial consumers’ rights and interest protection theory and the theory of financial supervision; and then analyzes our country’s P2 P net loan development process, operation mode and regulatory status. At the same time we summarize the deficiency of the P2 P net loan’s supervision. In addition, the article shows some relevant foreign experience and foreign regulatory mode. After learning these, we get some regulatory measures of the P2 P net loan in our country with the premise of establish rational supervision and evaluation standard.Finally, we set up the institution division for the regulation of P2 P net loan in our country, and put up with some suggestions for improving the supervision system.