On The Improvement Of China's P2P Platform Supervision System

With the development of the Internet financial,the number of P2 P lending platform proliferated,platform in the process of operation and the problems existing in the regulatory process also exposed,Only during January 2015 to march,the problems of P2 P network platform for borrowing alone more than 160.This social phenomenon caused the whole society about the healthy development of the P2 P lending platform problem of thermal theory,how to prevent the P2 P network platform lending financial risk became the focus of discussion.The article is divided into four parts to write,are P2 P network lending platform for our overview of risk supervision P2 P network lending platform problems experienced extraterritorial P2 P network lending platform risk supervision and advice about perfecting our risk monitoring P2 P platform.The first part of our network lending platform in the origin and classification start,leads to the concept of P2 P network lending platform,which extends about P2 P network lending platform of trading patterns and the characteristics of the transaction,obtained P2 P network lending platform as a new financial the service sector,with its traditional financial institutions have different characteristics.Finally,in the second part of the last part of the first chapter of the description of the P2 P network lending platform development status at home and abroad,the lead article of P2 P network lending platform regulation exists on the issue.The second part is expressed in the first chapter P2 P network lending platform problems that individuals credit problems,do not ask improper use of funds platform,industry credibility issues and information platform leak,write these questions intended to highlight the need for regulation platform.Then elaborate regulatory status quo P2 P platform,to go into the problems in regulation-as well as industry self-regulatory system behind the lack of existence of these problems reveals the risk of P2 P internet regulation is imperfect,it is precisely because of imperfect regulation,which makes P2 P network lending platform frequent problems,but also the normal development of regulatory issues are a serious impediment to the P2 P industry.The third part introduces the two countries and American Enlightenment on regulatory status of P2 P network lending platform,as well as to China,which is rich in the United States regulatory measures,regulatory measures are more stringent;in the UK,yet divorced from the P2 P network lending platform Regulated outside the scope of the regulatory body,nor the presence of specific legislative measures,comparison,the United States regulatory measures have more reference value.The fourth part,combined with experience in European and American countries on the basis of our proposed P2 P platform risk supervision sound advice.Because of P2 P network lending platform no regulatory laws,so the first task is P2 P platform supervision legislation,the second is to clear regulatory rules and key,P2 P platform feature is the ability to carry out business across the country,it must be unified regulatory rules,clear regulation focus.To standardize the platform,in addition to development of regulatory law,as well as to improve the personal credit information system,improve the system better able to cherish with the implementation of regulation,and finally requires the platform self-discipline,self-discipline and only the internal platform combined with the national legislation in order to more P2 P platform to achieve good risk supervision improved.