Research On The Development And Risk Supervision Of The Network Lending Model On The Internet Finance

In recent years, the rapid development of Internet finance is full of each of the lives of ordinary people. An internet financial development craze is sweeping the country. The micro channel envelopes from Pay Pal, Internet finance has opened a whole into the "grassroots" era. In 2014 the government work’s report and the government work’s report in 2015 two times in a row to the healthy development of the Internet to promote financial. The government attaches great importance to the Internet financial.On the one hand, the development of Internet finance is the inevitable result of social and economic development, on the other hand, for the financing of small and medium-sized enterprises to broaden the channels. SMEs are the backbone, the rapid development of China’s economic mainstay. We should make full use of Internet finance and other financial tools to provide better services for the development of small and medium sized enterprises. However, financing difficulties, financing expensive problem has restricted the sustainable development of small and medium-sized enterprises of our country. Banks and other traditional financial institutions tend to focus too much on the large enterprises and groups, small and medium-sized enterprises because of its lower credit, no collateral sufficient so often ignored by banks. P2 P lending network as an extension of the folk lending, to broaden the financing channels, to ease the financing difficulties of SMEs has opened up a new channel.But at the same time, the P2 P network lending in our country is faced with many problems. Such as: industry chaos, self-discipline environment is not good, it is difficult to safeguard the rights of investors and credit here, serious lack of supervision etc. According to the net credit home’s data show that: as the end of 2014, the number of the operation platform is a total of 1,575 in our country, while only fourth quarterly issues platform reached 170. So how to avoid risk and conduct effective supervision for P2 P network lending industry, to promote the standardized and healthy development, is an important subject needing to solve in the P2 P industry now.This paper mainly uses the literature research method, comparison research method, the case method to analysis development model of the network lending, the main risk and how to carry out effective supervision: one is comprehensively to the risk of P2 P network facing borrowing are analyzed, to avoid the defects of general research pays excessive attention to credit risk and ignore the other risks, such as market risk, operational risk, legal risk; the two is the risk supervision of lending part of P2 P network, USA regulatory experience analysis at the same time, according to the specific situation in China, put forward the suggestion of Supervision: one is the principles of regulatory, including clearing regulatory body, the principle of self-discipline, the principle of prudential supervision, the principle of regulatory tolerance. The two is the supervision system, including setting the access threshold, perfecting personal credit rating system, establish the information disclosure system, establishing the market exit mechanism.However, because the P2 P network lending is a new financial concept, from rise to development has only a few years time, whether foreign or domestic, are in the early stages of research and exploration stage, the reference literature is insufficient. At the same time as the personal comprehension and theoretical knowledge is limited, its feasibility in practice remains to be tested.