| In recent years,P2 P network lending platform is very different from traditional financial methods in technology,operation,network,service units and methods.Due to its high efficiency and convenience,it once developed rapidly.But,in the process of the high speed development of the P2 P lending platform also appeared many problems,the impact of the financial system at the same time,also lead to social instability.Affected by this factor,the government adopts a "one-size-fits-all" approach to "withdraw and transform" P2 P online lending platforms.However,as an emerging financial method,P2 P online lending platform is an important part of the financial market,and it is still possible to rise again in accordance with market demand or through other ways.Therefore,the research on the government supervision of P2 P network lending platform is not only the current realistic demand,but also the problem that needs to be deeply summarized and studied.Combined with the current situation of "exit transformation" of P2 P network lending platform,this paper selects the actual case of "a loan" P2 P network lending platform suspected of illegal absorption of public deposits and fund-raising fraud as a case to analyze.Through reading relevant literature and sorting out the analysis of the current government system,it is found that there are some problems in the government supervision of China’s current P2 P network lending platform,First of all,the government supervision function is lost,which is mainly manifested in too many government supervision subjects,unclear responsibilities,small government supervision coverage,lack of risk monitoring and coordination mechanism,unimpeded government supervision information and so on.Secondly,the regulatory rules are not clear,which is mainly reflected in the vague definition of legal regulatory business and poor coordination between relevant regulations.Finally,there is the problem of imperfect market supervision,which is mainly reflected in the unclear subject of market supervision and the unclear positioning of P2 P market.In view of the above existing problems,combined with the subjective and objective causes of the problems,and based on the analysis of foreign regulatory practice,this paper also puts forward some operable suggestions: first,it is necessary to clarify the responsibilities of government supervision institutions,such as clear division of labor,performance of supervision functions and careful deployment of supervision power,To provide an effective monitoring system.Secondly,it is necessary to carry out measures to improve the government’s regulatory laws and regulations for the problems with unclear regulatory rules,such as improving the P2 P network lending fund regulatory system,strengthening the legislation of investor rights and interests protection,etc.Finally,we also need to improve the exit system of P2 P network lending platform,mainly including clarifying the exit rules,guiding benign exit,establishing the exit risk early warning and supervision system of P2 P network lending platform and so on. |
