Research On Internet Financial Supervision Innovation

With the rapid economic and social development,Internet technology has developed rapidly,and Internet finance has also emerged.P2 P online lending business is an important part of Internet finance.However,in recent years,P2 P online lending platforms have frequently experienced "explosion" incidents.In order to maintain the stability of the financial industry,the state has introduced a P2 P platform withdrawal system,and announced in November 2020 that Chinese P2 P platforms will completely stop operating.The "explosion" incident of the P2 P online lending platform reflects the loopholes in Chinese Internet finance,especially the supervision of lending.Therefore,it is of great significance to carry out research on Chinese Internet financial supervision policies,especially taking P2 P platforms as an example,to improve the level of Internet financial supervision and improve the government’s credit reporting system.First of all,this thesis uses the literature analysis method to analyze and compare the current situation of domestic and foreign P2 P online loan platform supervision theory research,focusing on government supervision policies and public management theory,and summarizes the current situation of Chinese P2 P online loan platform "explosion" and the government Regulatory status issues.Secondly,this thesis uses the Petri net method to build models of P2 P platform regulatory policies in China and the United States,and compares the models and constraints through comparative analysis,Chinese government credit supervision policies are not perfect,and there is a lack of government departments to strictly review the qualifications of borrowers and lenders,resulting in information disclosure,lack of credit information and many other problems,and pointed out that this may lead to the "explosive thunderbolt" of P2 P online lending platforms." one of the reasons.Finally,this thesis uses the analytic hierarchy process to compare the P2 P online lending platform supervision policies in China,the United Kingdom,and the United States to establish an analytic hierarchy process model.Through the model,it analyzes the existence of Chinese supervision policies in terms of access system,exit system,daily operation supervision,and credit system supervision.of insufficiency.This thesis establishes an Analytic Hierarchy Process(AHP)model to conduct an objective and fair comparison of P2 P platform regulatory policies in different countries,and explores the shortcomings of Chinese P2 P platform regulatory policies.On this basis,several suggestions are put forward,including building a government online loan platform credit investigation platform,improving the government credit investigation supervision system for online loan platforms,improving credit investigation legislation,and improving the platform information disclosure system,so as to improve the level of Internet financial supervision and management in Chinese.Effective suggestions are put forward to improve and perfect the government’s credit reporting system.