| P2P lending platform is a new kind of Lending mode, while its essence still belongs to the traditional business model. Its operating principle is that when the P2 P lending platform gathers a small amount of money, it can lend to some micro, small and medium enterprises or some people who need it eagerly, and help them get rid of the plight of the development funds shortage. As different P2 P lending platforms establishing, they put a new activity into the lending market of our country. They not only solve many borrowing problems of small and medium-sized enterprises directly and meet the investment desire of individual citizens, but also stimulate the entire economic operation of the lending market. However, opportunities associated with the risk, when many small and medium-sized enterprises and individual benefit from this kind of quick and easy lending mode, the hidden problems also emerge. In the view of the situation of P2 P lending platform, at present our country faces the triple challenge.First of all, a lack of clear legal laws and regulations about P2 P lending platform;secondly, P2 P lending platform in China lack of perfect credit system, and finally, P2 P lending platform lack of effective supervision. Therefore, set up perfect laws and regulations, establish the perfect credit investigation system, and establish an effective supervision mechanism, for the standardization of the legal operation of P2 P lending platform and promote lending market benign operation, is of great significance. |
