Research On Legal Risks And Supervision Of P2P Network Loan

P2P loan model is based on the 21 st century,the rapid development of computer network technology came into being,simply speaking,is a company to build an Internet platform as an information intermediary,and by the platform to match the needs of the borrower and the provision of idle funds Of the investors to achieve point-to-point small loans to promote the two sides of a financial model of financial intermediation.This model makes use of the high efficiency of the network to greatly reduce the cost of individual access to information,effectively solve the problem of information dispersion and asymmetry,making the lending relationship becomes more open and transparent,to a certain extent,to meet the individual and small micro-business Capital needs and public financial needs.However,China's P2 P industry in the rapid development of the same time,all kinds of risk problems are gradually emerging,these risks both from the P2 P platform itself,liquidity risk,fraud risk,technical security risks and the risk of self-financing,but also caused by both sides of the platform The risk of credit protection,the risk of privacy protection,the risk of money laundering and the risk of high interest lending.In addition,the country is currently on the P2 P lending industry is also the lack of strict regulatory system,making the industry operation there is a huge business risk and legal risks.It is aware that these risks have a significant risk to financial security,therefore,P2 P network lending legal risk and regulatory issues in the "Internet + finance" deep integration of the environment has a very important practical significance and reference value.In addition to the excerpts and conclusions,the framework of the other chapters will be developed in the following order:The first chapter,the basic theory of P2 P network loan.This chapter will study the concept,characteristics,development status,causes of the outbreak and the business model of P2 P network and the legal relationship.This process is to understand the P2 P network borrowing from China after taking root,in our unique social background to show the basic situation.The second chapter analyses the legal risk and regulatory dilemma of P2 P network lending in China.The focus of this chapter is from the perspective of different subjects,based on the platform side,the capital side and the asset side,to clarify the legal risks involved in P2 P network lending and the current situation of China's P2 P network loan industry and the possible difficulties in the process of supervision The chapter puts forward the theoretical basis for preventing the risk of P2 P lending and supervising the proposal.The third chapter,foreign P2 P network lending industry regulatory measures andenlightenment.This chapter aims to examine the measures of Britain and the United States in the supervision of P2 P network lending industry,and use the comparative research method,contact the actual situation of our country,from the Anglo-American supervision to absorb the favorable experience of our country,so as to better build Legal Supervision System of China 's P2 P Network Borrowing Industry.The fourth chapter is to construct the legal supervision system of P2 P network borrowing in our country.According to the above analysis of the risk of P2 P network borrowing and the current situation of domestic and foreign supervision,this chapter will focus on the above risks and regulatory difficulties,combined with China's social background and reality,from the legal system to build and strengthen the P2P-related supporting system two aspects of P2 P network lending legal supervision targeted to improve the corresponding recommendations.