Countermeasure Research On Strengthening Government Regulation Of P2P Network Credit

Internet finance is a combination of Internet and finance industries.Different from traditional finance,Internet finance has integrated new development ideas and thinking.Since the first year of Internet finance in2013,China has the largest scale of Internet financial market in the world.However,with the development of Internet financial industry represented by P2 P network credit out of control,a large number of public opinion events have emerged.To some extent,it has changed the general investment expectations of the public,and then has an impact on the operation of financial institutions and markets.The government regulation of the P2 P platform is widely concerned by the public,and the frequent occurrence of P2 P online lending events greatly affects the public’s confidence in financial institutions and markets.Through literature analysis,case analysis,questionnaire and other research methods,this paper analyzed the development of China’s P2 P from the rise,blowout,problems to strengthen regulation.At the same time,taking the typical case of "E Zubao" as an example,this paper analyzed and found the problems exposed behind it,and discussed the problems and causes in the development of P2 P online loan.The research shows that the government is not able to supervise the development and operation of P2 P online loan,the financial public opinion disposal ability is insufficient,and the industry self-discipline is insufficient.Finally,this paper puts forward some suggestions on the steady development of Internet Finance and the optimization of government regulation of P2 P Internet lending in China,emphasizing further strengthening the effective regulation of the government,controlling financial risks,enhancing the ability of handling public opinion risk of P2 P Internet lending,establishing the social responsibility consciousness of P2 P Internet lending platform itself,and establishing and perfecting industry self-discipline mechanism,so as to promote the healthy and orderly development of P2 P Internet lending industry.