Research On The Legal Supervision Of P2P Network Lending Risks

As an important part of Internet finance,P2 P Network Lending has been paid more and more attention since its birth.Compared with the traditional financing,P2 P Network Lending broke the geographical restrictions,use the network to complete the exchange of information,the delivery of funds,which greatly facilitates the financial mediation.But on the other hand,P2 P Network Lending is gradually separated from the essence of information intermediary in the development process,and began to engage in "financial" business,and accumulated a great deal of risks.With the promulgation of the series of laws and regulations such as “The Interim Measures on the Management of Business Activities of Internet Borrowing Intermediaries”,the supervision of P2 P Network Lending industry is more stringent and the industry prospect is favorable.However,there are still difficulties in it.Therefore,this paper starts from the risk prevention of P2 P Network Lending under the supervision of the New Deal,examines the existing problems in China,draws lessons from the successful experience of Anglo-American in the relevant aspects,and puts forward some suggestions to improve the legal system of P2 P Network Lending to prevent risks and encourage innovations,to ensure the healthy and orderly development of P2 P Network Lending.In addition to the introduction and conclusion,this paper is divided into five parts:The first part is mainly about the overview of P2 P Network Lending.Starting from the concept of P2 P Network Lending,introduces its rise,characteristics,and P2 P Network Lending and similar operating agencies were compared.At the same time,it introduces the common P2 P Network Lending operation mode in our country,analyzes reasons of the diversification of the P2 P Network Lending and the compliance of each mode under the current supervision system.The second part analyzes the main risks of P2 P Network Lending under the new administration and the different risks under different operating modes.,to provide the theoretical basis for analyzing the legal problems of prevent risks of P2 P Network Lending.In the third part,based on the previous types of risk,it analysis on the Current Situation of Legal Supervision of P2 P Network Lending Risk in China.This paper analyzes the problems existing in the legal supervision of P2 P Network Lending in China,and provides the logical basis for the last part of the system design from the aspects of regulatory rules,the implementation of regulatory rules,the legal supervision system and the credit system.Provide a logical basis for the last part of the system design.The fourth part introduces the measures of British and American about anti-control risk of P2 P Network Lending.Including strict regulatory rules,clear regulatory system,blameless credit system,to provide experiences for us.The fifth part puts forward some suggestions on how to improve the risk supervision of P2 P Network Lending in our country.On the basis of combining prevent risks and encouragement with innovations,differentiated supervision,external supervision and self-restraint.First,improve the laws and regulations;Second,dynamic enforcement of regulatory rules;Third,improve the regulatory system;Fourth,improve the credit system.