Lack Of Credit And Ethical Thinking Of P2P Under Internet Finance

With the rapid development of information technology,"Internet plus" rapid deep into all areas of our lives.Formed a lot of relying on the Internet business platform,such as big data,network payment,network about car.In this context,a new financial model relying on the network,that is,P2P network credit industry gradually formed.The emergence of this new financial model is a serious impact on the traditional financial industry,but also for China's financial sector to provide a new topic of research and exploration.On the one hand,the new financial model to achieve the universality and preferential,makes the status of the financing difficulties of small and mediumsized company is improved,the folk finance has wider development space;at the same time,the financial model brings great opportunities,promote the change of financial industry competition pattern.On the other hand,with the development of the Internet financial model P2P,more and more credit problems continue to appear.Frequent P2P network lending platform closures,making the Internet financial model P2P credit prevention mechanism is not perfect and inadequate supervision and other weaknesses and deficiencies fully demonstrated.Under this condition,the development of Internet financial model P2P encountered obstacles,resulting in many negative effects.Through the research to the problem of lack of credit ethics P2P Internet financial model,put forward the basic idea of "building the credit management system of Internet financial P2P",pointed out that the lack of credit in the current state,should be guided by the government,the regulation mechanisms for the protection,to build a government,groups and individuals to participate in the the dynamic mechanism of supervision system,jointly maintain good credit,promote the implementation of credit supervision.P2P Internet banking as a new thing,with mutual benefit,convenience and other benefits,but it is also accompanied bythe rapid development of the rapid emergence of problems,these problems are often neglected,and brought many negative effects.This new thing has been a heavy blow,Must be solved in the further development,therefore,the construction of the Internet under the P2P credit risk prevention mechanism becomes very important.From the ethical point of view,and then the construction of China's P2P Internet financial credit mechanism is of great significance.