| In 2007,P2 P online lending platforms appeared in China for the first time.Since then,P2 P online lending platforms in China have been developed to a greater extent.As of today,the number of P2 P online lending platforms in China has risen significantly.Guangzhou city of Guangdong province in China,the economic development of central city P2 P lending platforms have mushroomed,until the end of March 2019,Guangzhou P2 P network normal operation of credit institutions a total of 40,including tianhe district 21,Yuexiu district 4,5 and 4,respectively in Huangpu district hai and home,Baiyun district,the Nansha area,Liwan district 2,respectively,Huadu district,Panyu area for one.The operation threshold of P2 P online lending platform is not high,the industry standard is not clear,and the government supervision is insufficient,which leads to problems in the supervision of P2 P online lending platform.In order to better reduce and avoid the risks of P2 P online lending platform and realize the healthy and stable development of this industry,it is bound to strengthen the government supervision of P2 P online lending in Guangzhou.Based on the theory of public interest,this paper studies and discusses the government regulation of P2 P online lending in Guangzhou by using the methods of literature research,field research,questionnaire survey and expert interview.Firstly,the main contents and necessity of government supervision of P2 P online lending in China are clarified.The contents mainly include government supervision rules and system of P2 P online lending,government supervision methods and practical contents of P2 P online lending,which constitute a modern P2 P online lending supervision system.In terms of necessity,due to financial stability and security needs,effective protection of consumers’ legal rights and interests,and the realistic requirement of steady development of the real economy,it is imperative to strengthen government supervision of P2 P online lending.Secondly on the basis of widely collecting information,Guangzhou P2 P lending in recent years working practice to conduct a comprehensive analysis of government regulation,sum up experience,and the deep analysis of existing problems,embodied in four aspects,respectively is the insufficient government regulation concept dislocation and execution,government supervision main body many participants,the function display is insufficient,the government supervision content system construction level is low,the government regulation means method validity is not high;This paper analyzes the reasons for the problems in the government supervision of P2 P online lending in Guangzhou,which are largely caused by the insufficient legal environment construction,the insufficient system and mechanism construction,the imbalance of supervision emphasis,and the low coordination of supervision.Finally,on the basis of the above analysis,puts forward the Guangzhou P2 P lending government supervision ideas and countermeasures for reference to resolve the problem,one is to accelerate the P2 P lending government regulation legislation progress,2 it is healthy and effective P2 P lending the government regulation system,three is to strengthen the construction of social credit system construction and industrial culture,four is rich and innovative P2 P lending government regulation means. |
