Research On Government Supervision In P2P Network Lending In My Country

P2P network lending enables the borrowing between individuals and individuals through the Internet platform.Relying on Internet technology,lending has become convenient and efficient.This model has innovated financial services,effectively meeting the microfinance needs of small and micro enterprises and individuals,thus promoting the development of the real economy and inclusive finance.Therefore,P2 P network lending has developed very rapidly.However,due to the low operating threshold,lack of government supervision and lack of industry standards,the risks in this area are also relatively high.The alleged illegal operation and platform running have occurred from time to time.In order to effectively prevent the risk of P2 P network lending and ensure the healthy and orderly development of the industry,the government should strengthen the supervision of P2 P network lending.This paper first introduces the research background and significance of government supervision in China's P2 P network lending,analyzes and summarizes the research status of government supervision in P2 P network lending at home and abroad,and introduces related concepts such as Internet finance,P2 P network lending and government supervision.The basic theory expounds the development of P2 P network lending in China,analyzes the market operation of P2 P network lending in China and the supervision status of China's government in Internet finance.On this basis,it includes four aspects: law,risk,market and operation.This paper analyzes the problems existing in government supervision of P2 P network lending in China,and further explores the reasons for these problems.At the same time,through the analysis and summary of the government supervision practice of online lending in the United Kingdom,the United States,Japan and other countries,it puts forward the improvement of government supervision laws and regulations,the establishment of risk disclosure evaluation mechanism,the improvement of online loan market access standards and the establishment of a complete credit system evaluation platform.Suggestions for countermeasures such as mechanism construction.