Research On The Risk Analysis Of Money Laundering And Regulation Countermeasure Of Anti-money Laundering About China’s P2P Lending Platform

With the development of Internet information technology in our country,the scale of P2 P net loan platform shows a trend of rapid expansion,and the industry pays great attention to it.We have to affirm the importance of P2 P network loan to improve our economic system,which is based on the concept of Pratt & Whitney financial,flexible and efficient way of financing.It effectively made up for the traditional financial institutions,which the field of service is blank,and achieved the effective allocation of social idle funds,Alleviated a large number of financing problems of the small micro-enterprises and individual owners.It has an indispensable contribution to promote China’s economic development.However,in the positive results at the same time,rapid expansion,regulatory gaps,property variation and other factors make P2 P network loan industry problems frequent,It is often seen.business,run away.the parties began to focus on the hidden risks behind it.Due to the non-face-to-face,cross-regional,fast and rapid trading characteristics of P2 P network loan platform,it can easily become a breeding ground for money laundering crime,then strengthen the identification and analysis of P2 P money laundering risk,explore targeted regulatory measures,have important significance for promoting the healthy development of P2 P net loan industry.Based on the money laundering regulatory authorities and the three party,in-depth analysis of their behavior decision-making platform,money laundering,supervision departments,enhance the objective understanding of P2 P net loan money laundering risk.Combined with the overall situation of China’s P2 P network loan platform and the current situation of anti-money laundering,this paper analyzes the risk of P2 P network loan industry on the basis of cost-benefit theory and game theory.By definition,recognition and measurement of P2 P net loan platform risk,game analysis platform,Secondly,this paper analyzes the current situation of international and domestic anti-money laundering,and analyzes the shortcomings of China’s regulatory supervision,and draws lessons from the experience of absorbing international matures.Finally,this paper puts forward some pertinent suggestions to strengthen the supervision of anti money laundering in P2 P lending platform in China.This paper aims to guide the P2 P net loan industry anti money laundering regulations to carry out business platform,promote the healthy and orderly development,to make thesustainable growth of the emerging financial things,against the governance of P2 P net loan industry money laundering crime,has important theoretical and practical significance to maintain China’s economic and social order.