The Research Of P2P Network Lending Platform Removing Guarentee

As an important part of Internet finance,P2 P network lending has been developing rapidly since the establishment of the first network P2 P lending platform in Shanghai in 2007.However,at present,the P2 P network lending in China has not formed a unified operation mode.The whole P2 P network lending has exposed serious problems.Among them,the guarantee of P2 P network lending is one of the causes of the explosion of P2 P network lending platform.The regulatory authorities attach great importance to this and gradually and seriously issue policies to solve it.Under the background of the policy of remove guarantee required by the regulatory authorities,how to prevent risks and ensure the safety of investors’ funds will be related to the sustainable development of China’s P2 P online lending industry in the future.According to the current situation of the development of P2 P network lending in China,this paper proposes how to scientifically and reasonably supervise the process of de guarantee of P2 P network lending platform and whether there is a guarantee alternative system beneficial to the sustainable development of the industry after remove guarantee,so as to provide a reference for the healthy development of the whole P2 P network lending industry.In addition to the introduction and conclusion,this paper is consisted of three parts:First of all,the paper introduces the necessity of remove guarantee of P2 P network lending platform in China.This paper introduces the relevant policies of the current regulatory authorities from the compensation eventof Chang’an insurance company,further expounds the value of P2 P network lending and the necessity of removing guarantee.The second part mainly analyzes several modes of P2 P network lending platform guarantee in our country at present,namely self owned fund guarantee mode,risk reserve mode and third-party guarantee mode.The third part,through the analysis of P2 P network lending guarantee mode,puts forward the corresponding suggestions on how to effectively prevent risks and protect the rights and interests of investors in the process of remove guarantee of P2 P network lending platform in China,and proposes the idea of how to establish alternative guarantee system,in order to provide useful reference.