Research on Risk Supervision of P2P Net Loan Platform
ZHONG Cheng;School of Public Policy and Management, University of Chinese Academy of Sciences;
With the worldwide Internet related lending business and mode of rapid development, the Internet financial markets are expanding, and even far more than many institutions expect and judge. To solve the network trading platform for Internet financial innovation and a series of potential risks and technical problems, through the whole process analysis of the running system of P2 P network loan platform, this paper studies the risk mechanism of different subjects and different links in the operating system, and analyzes the institutional basis of risk generation. On this basis, we further analyze the risk generation mechanism and supervision system of the developed country's specific credit platform, and compare and analyze with the reality of our country. Finally, on the basis of the mechanism, principle and theoretical research of the risk generation of the P2 P network loan platform, the paper provides some suggestions for our country's supervision system and the supervision policy according to a series of related problems existing in the P2 P net credit supervision.