Research On The Compliance Development Model Of P2P Network Lending Platforms

In recent years,with the continuous growth and constant development of private lending and internet finance,P2 P network lending as a new financial business mode has gradually entered the public view and spread widely.The P2 P relies on internet technology to build a platform for information sharing and mutual assistance to connect the point to point of the borrowers and lenders,and to make a match between both sides to promote small and private loans.But with the rapid development of the P2 P,at the same time,multiple financial risks caused by the nature of the industry itself also followed,a series of problems emerge in an endless stream,like credit risk,legal risk,lack of supervision and even illegal deposits from the public,private capital pool or taking money and run away.In the past 2016-2017 years,the CBRC has issued the policy and regulations for implementing the penetrating and comprehensive supervision for the P2 P industry,laying the regulatory measures of "one way and three guidelines",building a good foundation for the future P2 P industry's compliance development.Therefore,how to carry out compliance development under the existing legal and regulatory framework has become the most urgent task and focus of the current P2 P industry.In 2018,the prevention and control of risks and deepen supervision has become the main theme of the financial industry and even the whole society to focus on,along with the gradual landing supervision on P2 P network lending industry from authorities,compliance transformation of P2 P network lending platform is already imminent,thus analyzing the path and direction for P2 P enterprise development is a pressing matter of the moment of compliance as soon as possible.In this background,the paper is divided into five parts by the methods of normative analysis,case analysis and comparative analysis.First,the paper introduces the background significance,research object,research method and so on.Secondly,it defines the concept of P2 P network lending platform in the body part,and expounds the current business model of P2 P industry in China.In the part of the normative analysis,this paper will standardize the laws and regulations of the P2 P industry and pay attention to the relevant key regulations and policies.On this basis,the developing problems and risks of the P2 P industry under the present system framework are put forward.In the part of case analysis,this paper selects the XMF financial services group,where author took internship before,as a case.According to the company's organizational structure,platform operations and business development model,comparatively analyzing the change of XMF financial services group business mode before and after the supervision policy,summing up the legal risks and transformation problems of its development mode.Finally,based on the normative analysis and case analysis,according to the macro-background of supervision " one way and three guidelines",how the specific enterprises adapt to the increasingly stringent regulatory policies and situation in the future,how the P2 P platforms realize the importance of compliance development under tight regulation,how the P2 P industry get a legal,legitimate,logical and reasonable path of development for their own,the author put forward own countermeasures and suggestions in the paper.