ManagementofP2POnlineLending.PDFVIP

2nd International Conference on Humanities and Social Science Research (ICHSSR 2016) The Existing Risks and Countermeasures of Supervision and Management of P2P Online Lending Xinyang Li School of Economics and Business, Beijing Jiaotong University, Beijing, China 163.com Key words: P2P online lending; risks; supervision Abstract.P2P online lending is an innovative form of financial organization, which achieves some of the functionality of the existing financial system, and it is a useful complement to the traditional financial system. The problems of P2P online lending in our country are mainly rooted from legal deficiency of private lending, long-term implementation of institutional regulatory model and the policy of financial constraints, as well as relatively weak regulatory behavior and industry organizations. This paper focuses on the various risks that P2P online lending faces. And start from government regulation and industry self-regulation. Attempt to build up a P2P online lending risk prevention institutional framework in the context of financial reform, to promote the transparent development of online lending. I. Introduction 1. Concept of P2P online lending. P2P online lending, that is peer to peer lending platfo rm, which gathers scattered private lending to the Internet through the Internet; data auditin g, capital flows, contracts, and all other formalities are completed via the Internet, so the d emand side of funds and borrowers achieve docking on the Internet. In 2007, P2P online le nding formally entered into China and these companies are mos