A Study On The Regulation Of P2P Lending Platform

Peer to peer lending(P2P lending)is to provide an open and transparent micro-credit transactions between the individual and the individual through Internet.It's Breaking the traditional modes of financing,both lenders and borrowers use the Internet platform for information exchange,without going through financial intermediaries,and direct financing to achieve.P2 P lending is an effective complement to traditional financial system,improving resource allocation efficiency of financial markets,to meet the borrowing needs of many borrowers.But the development of P2 P lending still in its infancy,the lack of effective legal regulation,combined with peer to peer lending industry itself has many deficiencies,leading P2 P lending platform brutal disorderly competition,the dilemma facing numerous legal risks.Owing to the special nature of P2 P lending industry,we needs to introduce P2 P lending platform management approach targeted,clear and reasonable identity P2 P lending platform.P2 P lending platform to access and exit mechanism,the scope of the platform should fulfill the obligations detailed provisions,resolved the situation of "without prior market access mechanism,no matter specification obligations,and afterwards no exit mechanism",the P2 P lending platform business management into the track of normal development.This paper will take four parts to analyses the legal problem of P2 P lending platform:As the logical starting point,the first part analyzes the legal nature of P2 P lending platforms,there are different academic understanding of the nature of P2 P lending platforms,the author give a views of P2 P lending platform legal nature after a comparative analysis of different academic understandingThe second part describes the access conditions and the withdrawal mechanism of P2 P lending platforms,in-depth analysis of the problems of our current platform upon entry and exit faces.The third part of the obligation to regulate P2 P lending platform in the course of business will be discussed separately from the review of the borrower's eligibility,financial security aspects of regulation,information disclosure and risk disclosure obligations are analyzed on the basis of the relevant departments of proposed.We should pay attention to and focus on the development of P2 P lending in this sector.The fourth part,combined with other countries experience,put forward a sound P2 P lending platform recommendations.Despite the development of P2 P lending industry still faces many uncertainties,present and future is also facing serious challenges,but it is undeniable that the emergence of P2 P lending platform can effectively solve the difficult problem of personal financing,increasing the supply of financial It provides a useful attempt.