Research On The Risk And Legal Regulation Of P2P Network Lending Industry In China

P2P network lending as a new business model,compared with the traditional model of bank lending,plays a more important role in small or micro businesses and individuals to solve financing problem.But with the rapid development of P2P net loan industry platform,run away,lost contact with the station,closed frequent situation,high rate of bad debts,illegal fund-raising,Internet fraud and other problems are gradually exposed,serious damage to the network economy order,causing huge economic losses to investors,these problems have brought a lot of negative impact to the Internet financial industry.The reason for these problems is that the legal supervision of P2P lending platform in our country is still not in place.Although the P2P network lending than traditional bank has simple procedures,low threshold,high profit advantage,but both technology and system and legal supervision level than traditional banks have a great lack of P2P network lending industry still has a long way to go.In this paper,combined with the current development of network lending industry in China and existing problems of P2P,the "Internet Financial Risk Special Rectification Work Implementation Plan of the Notice","Information Network Lending Intermediary Business Activity Management Interim Measures",the new law is analyzed.At the same time,through the P2P network lending platform of England and America the operation mode of the research,and with the domestic P2P model comparison,and puts forward the legal supervision measures of P2P network lending platform:adhere to the P2P network lending platform information intermediary status and the construction of legal supervision system,establish perfect credit system,strengthen information disclosure strength etc..The main content of this paper is divided into six parts:The first part,introduction.Including research background and significance,literature review and research methods.The second part is the overview of P2P network lending,including the concept,characteristics and the process of its development.The third part,the mode of P2P network lending operation,combined with the current situation of China's P2P development,the necessity of legal supervision.The fourth part is about the legal regulation of P2P network lending.Although the promulgation of "Network Credit Information Intermediary Business Activity Management Interim Measures"and"on Promoting the Healthy Development of Internet Financial Guidance" and other laws and regulations on industry regulation,but the regulation of the status quo of China's P2P network lending is still not optimistic.The fifth part,the Enlightenment of foreign advanced mode to the development of P2P industry in china.The sixth part,aiming at the problems existing in our country and the regulatory status of P2P lending network,put forward to perfect the legal regulation of lending P2P network of China,such as information intermediary position,adhere to the construction of legal supervision system,establish perfect credit system,strengthen information disclosure strength etc.