Research On The Legal Issues Of Internet Lending Platform Supervision In China

After Internet lending spread to our country from abroad,there has been an explosive growth,but also caused a series of social problems.Exploring the root causes,we can discover that the hysteresis and faultiness of law is the main account which bring about this field of problems.In the practice of our country,different types of Internet lending platforms are supervised separately.In addition,the laws of internet loan platform supervision in China are mostly department rules,the legal rank is low,and the responsibilities of supervision subject are mostly principle provisions,so that is not specific.Other factors like the threshold of market access system is not high,internet platform lending is not fitted into the big data credit investigation system and the exit strategy is defective bring about the problems of internet lending are be counting without end.In the wake of the burgeon in the big record and internet technology,the reconcile of internet and banking will be more inseparable.This paper holds that under the backdrop of mixed finance,the separated regulation mode is unable to get used to the economic burgeon instantly.Hence,it is offered some suggestions such as to formulate a higher legal level specialized internet lending platform supervision law,build a supervision mode including different types of Internet lending platforms,clarify the responsibilities of supervision subject,implement mixed supervision,carry out information communication,sharing among various departments,to strengthen the market entry still,improve the big data credit investigation system,and perfect the market exit mechanism,for the reason to improve the regime of internet lending platform supervision law of our country,and precipitate the sound development of internet lending trade.