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《South China Finance》 2011-04
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The Regulation Strengthening of the P2P Online Lending Platform

Wu Xiaoguang and Cao Yi(PBC,Beijing,100086 China)  
P2P online lending,namely lending through network,means that with the network platform,borrowers and lenders can complete their trades online.All procedures,including the authorization,accounting,clearing,delivery,etc.,can be completed through network,which meets people's requirements for the convenience in getting capital.In this paper,we elaborate the basic concepts of P2P online lending,its development and positive meanings.After analyzing the potential risks of its business process,we get our conclusion that online lending should be incorporated into the regulatory system with the setting up of regulatory principles,patterns,contents,and the indices of security and technology.Through these means,we could guide the development of the online lending in a healthy way.
【CateGory Index】: F832.4;F49
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