Research On The Problem Of P2P Network Lending Platform Abnormal Shutdown

P2P network lending is a useful complement to the Internet finance,from the beginning of the introduction of foreign countries will have to solve the financing difficulties of Small and medium enterprises,the development of Inclusive finance positive role.However,due to the special situation of China’s network loan market environment,some network loan platform began to alienation,resulting in industry chaos,abnormal shutdown platform one after another,investors lost shocking.Therefore,this paper aims to identify the cause of the problem platform,and then find the appropriate solution.This article is divided into three parts:introduction,text and conclusion.The text part is divided into three chapters:The first chapter mainly introduces the development of P2P network lending,expounds the necessity of its existence,outlines the development of the problem platform,which also includes the impact of regulatory policy on the problem platform.Followed by a typical case to cut into,summarize the common characteristics of the platform,the platform for the reasons for a path to explore.The second chapter elaborates the reason why P2P network loan platform abnormal shutdown.The industry to discuss the Pond’s fraud,illegal fund-raising,self-financing and regulatory deficiencies and other reasons for the chaos of the systematic sorting and classification.The platform is divided into two aspects:internal and external reasons.The third chapter gives the corresponding countermeasures by analyzing the reason of the platform abnormal.Basically every reason can correspond to a solution,but the solution is a whole need to cooperate with each other,such as to avoid fraud platform needs a lot of solutions to work together,such as strengthening the credit can prevent fraud platform,Poor wind control platform and so on.Therefore,in order to make the text more clear,this chapter to the network of loans to participate in the tripartite as a clue,respectively,on the borrower,platform side,and investors should take what kind of improvement measures,but also corresponds to the beginning of the borrowing process,Early,middle and late borrowing.At the same time,because this is a very strong Timeliness issue,the regulators have introduced a number of policy recommendations,this article is to track the regulatory effect on the basis of the corresponding recommendations.