A Research Report On The Existing Problems Of Internet Lending In China

Internet lending is an emerging form of Internet finance.With the popularization and promotion of Internet finance,Internet lending has gradually developed and flourished in China.After the brutal development in the early years,the online lending industry has also exposed a series of problems,such as the stagnation of development,the clearance of a large number of platforms and the collapse of platforms.Since 2016,the regulatory level has started to overhaul and regulate the online lending industry,but in 2018,there are still a large number of failures of online lending platforms.By analyzing three typical cases of Ezubao event,Sannong capital event and Qianbaowang event,the paper finds that the problems existing in the development of online lending in China mainly come from the online lending industry,online lending platform and online lending crowd.Firstly,the online lending industry has problems such as imperfect market access and exit mechanism and insufficient self-discipline.Secondly,there are problems of fund deposit,fund use monitoring and examination,incomplete information disclosure,unreasonable bid opening,false credit increase and high real annual interest rate in online lending platforms.The third is the network lending crowd credit problems.In this paper,questionnaire survey and network data survey and analysis are combined to propose countermeasures and Suggestions for strengthening the supervision and management of online lending industry,improving the operation level of online lending platform and improving the overall quality of online lending population.Among them,the Suggestions for the online lending industry are mainly to clarify the regulatory subject and establish the industry access and exit mechanism.The Suggestions for online lending platforms mainly come from fund depository,platform information system construction,platform risk management and control,charging standards and other aspects.At last,the paper makes rational investment and loan publicity and education for online borrowers,and suggests to make personal credit certificates for them.