The Legal Supervision Of Chinese P2P Network Lending Risks

The development of the Internet information technology combines with the demand of private lending market.And the P2 P network lengding emerge as the times require.The rapid development of the form of online lending has made up for the gaps in the traditional financial system.However,there are some problems and risks that should be paid attention to in the development of P2 P network lending in China.This article mainly explore the P2 P network lending risk,and puts forward the legal supervision opinion for the P2 P network lending development.To sort out the current risk,and provide the basis for the improvement of legal supervision system.In the first part of dissertation,mainly expounds the risk of Chinese P2 P lending,including the risk that lender,borrowers and the P2 P network lending platform may cause,.in order to sort the risk,provide the basis for the further perfection of the system.In the second part of dissertation,mainly expounds the current situation of supervision and the deficiency of supervision.According to the present risk point,the current supervision situation is combined,and the article excavate the current supervision deficiency and provide the basis for the improvement of supervision system.In the third part of dissertation,mainly expounds the development experience of P2 P network lending industry in Britain and America.Britain as P2 P lending the earliest birthplace and Amercia as the most prosperous development place of the P2 P lending,the P2 P network lending industry has adopted the supervision policy from loose to strict.According to their own domestic characteristics,they have formed their own legal supervision system.These beneficial experiences have great reference value for the legal regulation of P2 P network lending in ChinaIn the fourth part of dissertation,the author puts forward some suggestions to improve the legal supervision of P2 P network lending industry in China.According to the existing risks of P2 P network lending industry in China,the author puts forward legal supervision suggestions from the three aspect of lender,borrower and P2 P lending platform.