Research On The Compliance Development Of P2P Lending Platforms Under The Background Of The Strict Supervision

Peer-to-peer lending is the realization of the Internet Finance,which nature is the informal finance.As the outcome of the combination between the Internet Finance and informal finance,peer-to-peer lending has broken the limit of the conventional Acquaintance Society,extended the range of informal lending and financial service,filled the gap of formal finance,improved the efficiency of financial service and make SME and person who couldn't obtain service obtain from formal finance achieve service.Peer-to-peer lending is of practical significance to Inclusive Finance.Since the first domestic peer-to-peer lending platform PPdai established in 2007 in Shanghai,this industry sprang up promptly.Peer-to-peer lending exposes gradually its error,such as absconding with the money,suspense of business,which could mostly affect a wide range and security deeply,with the characteristics of wild coverage,easy to meet the borrowers' need,direct linkage between both lenders and borrowers,which could shorten the period of the conversion from risk to errors in the rapid development process.The number of the bad platforms has increased over time.So the regulators face the confusion of peer-to-peer lending industry to perfect regulation system and contents and carry out targeted clean-up campaigns.And the number of the regulatory documents about peer-topeer lending is more than fifteen until February 2017.The regulatory requirements include various aspects such as business operation,capital depository,information disclosure,rights protection,network information security,financial crime prevention,industry self-regulation,and information survey.Compared to the early warning and justice intervention later,the recent supervision is stricter.Under the recent background of the strict supervision,it is necessary to study that how to finish the compliance requirements before the deadline,stimulate the market potential and retain room for development.This paper firstly uses the literature research method to comb the related contents of peer-to-peer lending.Based on the explicit component in the contents of developing motivity,main risk and related theories,it analyzes the recent situation and errors of the peer-to-peer lending in our country.And this paper,based on specific contents of the strict supervision,analyzes the development dilemma of the compliance development of peer-to-peer lending platforms and the way to break through the difficult situation.And then it uses the typical cases to analyze the key issue of compliance.Finally it comes up with the specific measures under the recent background of the strict supervision.Peer-to-peer lending platforms need to accept the compliance requirements actively,change the development concepts,strengthen the association with the platforms,promote the integration and try their best to connect the new institutions and methods to finish the compliance.And they should judge operation behaviors on business nature,select the right bank to operate capital depository,expand the business under the related policies and the characteristics of the markets,strengthen the information security and technical support,enrich the security certificates and perfect the market access-remove mechanism to protect the compliance development of peer-to-peer lending industry and promote the healthy development of the Internet Finance.