Research On P2P Network Lending Supervision

With the continuous innovation and rapid development of e-commerce and mobile network technology. Internet technology began to prevail in areas of the financial industry. More need of financing capital in small or micro company and the increase of public investment demand, make P2P lending show vigorous development tend as one mode of internet financial. With the rapid development of peer to peer lending, many of the issues like false information, fraud running and platforms collapse have been exposed. The reason why these problems exposed is due to the lack of regulation of peer to peer lending industry. In order to ensure the healthy development of the P2P industry and protect the interests of investors, it is urgent for the regulatory agencies to make appropriate regulatory approach.This paper firstly describes the background of the development of P2P network lending platform, and its concept, features, functions, operation mode and operation process, etc., as well as the current domestic and international development status. Then, the paper focuses on its problems existing in our operation, such as legal risk, regulatory risk, credit risk, platform control risk. Contrary to the problems of the P2P network borrowings industry in the former text, finally, I propose some resolutions form two levels. The micro-level, the P2P network lending platform improve the system construction and strengthen its risk control capability; the macro-level, to play the country’s macro guidance and supervision role, especially improve the relevant legislation to strengthen supervision, as well as sound personal credit information system construction, control its external risks.