Study On The Risk And Countermeasuresof P2C Network Credit Supervision In Hebei Province

As the outcome of combination between informal finance and Internet fina-nce, network lending is a new type of financing rise in recent years, which o-riginated in UK named “Zopa”. China established the first network lending plat-form in 2006-- the Credit Easa, which one is completely off line trading platfor-m. Then in 2007 the establishment of the "PPdai" is the first online trading in C-hina without guarantee of P2 P network lending platform. The next few years, the network lending platform developped rapidly, presented the “barbaric growth”, a-s a useful supplement to traditional finance, the rapid rise of the network lendi-ng platform make the folk financial range has been extended, but also provide t-he Small and micro businesses more financing channels. However, from the curr-ent development of network lending industry point of view, it alsoexposed some problems, facing a variety of risks, there are a number of issues of platform, r-un away, the closure of the phenomenon emerge in an endless stream, at presen-t related laws and regulations are not enough in our country, the relevant depar-tments of the regulation is not inverted situation, the urgent need to the whole n-et loan industry in detail to study and put forward policy suggestions on supervi-sion,industry risk and industry.In October of 2014, the first state-owned network credit platform successful-ly enterprises in Hebei Province-the Xintou online, which take full support to t-he cnstruction of regional economy, support local financial development, online and offline audit combined, completed the operation management and risk contro-l platform in the five monththe after online operation. Therefore, this paper select t-he network lending supervision problem as the research subject, and takes Hebei Xintou online P2 C platform for example, combine the development of Hebei Inter-net finance, at present our country net loan industry regulatory problems put forw-ard some suggestions and solutions.This paper first defines the relevant network lending are defined and explaine-d, and summarized the internet financial theory and financial supervision theorie-s and; then this paper combined with the development of internet finance in Hebei Province, to the Xintou online are described in detail for the status of the development of net loan to industry of our country examples; on this basis.,to explore the existing net loan industry problems and risks, put forward the net loan industr-y government regulation of some policy suggestions and according to the laws a-nd regulations construction, supervision subject determination, self-discipline etc..The thesis adopts the methods of literature research, quantitative analysis, c-hartanalysis, comparative analysis and other analysis methods, combining with th-e Hebei province “Xintou online” P2 C platform specific research network lendin-g problems, combined with the actual construction and development of the netw-ork lending platform, the practicality and maneuverability is stronger. Combined with the actual work of industry development rules and author, proposed the es-tablishment of industry risk reserve system, the accurate definition of the partie-s of the right responsibility counter measures platform.