A discussion on Chinas network of lending and Countermeasures（讨论中国的网络贷款和对策）.docVIP

A discussion on China’s network of lending and Countermeasures Papers network: [abstract] recent years Network borrowing as a new thing in our rapid development, due to the lack of the legal system and regulatory vacuum, so there are significant potential risks to the network borrowings, the urgent need to be regulated. In this paper, through the analysis of the current situation and the main problems in the development of our network of lending, the proposed perfect network borrowings countermeasures. [Paper Keywords] Network borrowing, risk prevention, regulatory Network of lending borrowing lending activities both through the network platform to complete the network of lending between borrowers and lenders simply network platform for registration and authentication procedures can be reached through the network lending platform borrowings desirable, in the process of borrowing credit certification, clearing, delivery processes through the network platform to complete the network platform will be charged a service fee to complete the transaction. borrowing in the network in both lenders and borrowers do not have to meet without an agent, directly through the network can complete the borrowing process Generally speaking network is borrowing a small loan, unsecured requirements, belonging to the credit lending. emergence of online lending hand to meet the need for funds to promote economic development, on the other hand there are also policy , legal, regulatory, internal control, and many other risks, the urgent need to be regulated. One, the development status of our network borrowings The purpose of our first online lending platform pat loans was established in 2007, it is adhering to the concept of “friends lending a pleasure” by providing a network of lending intermediary services to both lenders and borrowers in Agreement complementary resources . network lending platform in China there are two modes of online and offline online mode pat loan