Research On Legal Regulation Of Administrative Management Of Online Lending Platform

In recent years,the situation of online lending trade is serious,and the Department Policies or Normative documents of online lending platform have been issued one and another.However,it is still a long way to go to prevent and cure the disorder of net loan.The characteristics of legal regulation on the administrative management of online lending platform include: The platform qualification supervision shows the trend from weak to strong.From only carrying out the filing system,to putting the compliance platform into the micro-loan companies,and then putting the one-time payment of capital into effect.The discretion of local government shows a trend from high to low.From the local government owner the higher discretion,to the local government’s power was reduced for a certain extent,and then to the legal liability was set;Personal information protection has gradually strengthened.The problems of legal regulation for the administrative management of the online lending platform include: The integration of the evaluation and supervision power is embodied in that provincial governments assume the responsibility of supervision and evaluate or classify the platform.The damage is that even if the regulator discovers the illegal operation,they’re unwilling to putting right;The discretion of local governments is too higher,reflecting in the localization of evaluation power and the incomplete "surrender" of qualification examination power,which is easy to causing local protection;And the protection of personal information is inadequate,which is reflected in that "acquisition" and "probing" deserve further study,and Customer Behavior Information is private information,and customer’s private life is not fully protected;It is difficult to choose between new and old Department Policies and Normative documents.Based on the above research,following measures can be taken to improve the legal regulation of the administrative management of online lending platform: The power of evaluation and supervision is given to different subjects.Local governments can only draw up detailed rules or carrying out regulatory regional avoidance.The protection of personal information should be strengthened.It should be forbidden to intruding on the private life of clients and to inducing debts instead of inducing excessive debts.At last,unifying the application of policies.