Research On Wenzhou's Financial Supervision Under The Background Of P2P Internet Loan Explosion

The integration of Internet technology not only promotes the rapid development of local financial organizations or formats,but also makes the originally complicated local financial supervision more difficult,especially the conductive and systematic characteristics of the new financial risk,which makes the risk more prominent.At the beginning of 2018,a new round of Internet finance "explosion tide" caused by P2 P online lending indicates many problems existing in the current local financial supervision mode,such as the coexistence of cross function and vacuum,multiple policies,insufficient supervision means,unclear and unequal power and responsibility,etc.Wenzhou,as a disaster area of P2 P network loan risk "explosion" in Zhejiang Province,relying on the experience of "financial reform",has become the only area in the province that has completed the target tasks of clearing out the platform six months in advance and over fulfilled the targets tasks through front supervision,joint supervision and other measures,realizing the effective disposal of financial risks after the event.Wenzhou is the first place of financial reform,and the potential risks of similar financial institutions are still expanding.It is not only in theory,but also in practice to study the local financial supervision.This article combines case analysis,statistical analysis and literature analysis,focuses on the theme of the current new local financial supervision model,introduces the basic connotation and characteristics of P2 P network loan,and on the basis of the analysis of the current situation and reasons of P2 P network loan explosion in China,makes an in-depth study on the development mode and current situation of Wenzhou P2 P network loan platform,so as to study the local financial supervision in Wenzhou The current situation,existing problems and the corresponding support for the practical and operational countermeasures.The key points of this paper are as follows: first,it summarizes the basic framework system of financial supervision of local governments at home and abroad;second,it refines the experience of Wenzhou's supervision of P2 P platform,especially its achievements in the construction of supervision information system,supervision and law enforcement,supervision grid management,non-governmental financing theory monitoring,and the effectiveness of local P2 P "explosion" The stability of the local financial order can provide "Wenzhou sample" for the local financial supervision of Zhejiang Province and even the whole country.The third is to put forward feasible countermeasures and suggestions on the defects of China's financial supervision system reflected and reflected by the P2 P "Thunderbolt" event.In the era of big data,it is an important way for the government to ensure the local financial stability to innovate the financial supervision mode,comply with the requirements of the development of the times,improve the corresponding laws and regulations,establish a new local financial supervision system,and reshape a good financial security environment.At the same time,the author chooses the local case of Lucheng District of Wenzhou City and the case of "S-loan" being disposed as the sample for case study,and analyzes the main characteristics,operation mode,risk hidden danger,disposal method and effect of the platform.Through the analysis and research of this typical case,this paper summarizes and refines the basic operation mode and main risks of online loan in China,especially shares the experience and technical means accumulated in Wenzhou in the process of disposal and resolution,and provides the ideas and methods for the clearing of national online loan platform and local financial supervision.