Study on Risks and Supervision of P2P Network Lending Platform

DOI

10.2991/meici-18.2018.76How to use a DOI?

Keywords

P2P network lending platform; Risk regulatory; Logic model

Abstract

In recent years, Internet finance has attracted the attention of the masses of people. As a new type of "micro-finance institution", P2P network lending platform has lower barriers to entry, efficient and fast operation and innovative mode of "financial disintermediation". It has enriched the traditional financial industry, effectively promoted the development of our financial services market. But, as a result of lending to P2P network platform in the initial stage of development, with a large number of platform in the run, the withdrawal difficult, the problem such as collapse, illegal fund-raising, divert client funds, such as a ponzi scheme a serious risk also appeared, this shows fully convincingly that in P2P lending industry in China the lack of regulation, serious impact on the development of the industry and the financial services market. The issue of risk and regulation of P2P lending platform in China is taken seriously.Based on the present situation of the P2P lending platform development in our country, its development in the process of credit risk, transaction risk, legal risk and so on are analyzed, and puts forward the corresponding regulatory measures, to strengthen the development of P2P lending platform in China is of great importance.

Copyright

© 2018, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Hong Chen
PY  - 2018/12
DA  - 2018/12
TI  - Study on Risks and Supervision of P2P Network Lending Platform
BT  - Proceedings of the 2018 8th International Conference on Management, Education and Information (MEICI 2018)
PB  - Atlantis Press
SP  - 391
EP  - 395
SN  - 1951-6851
UR  - https://doi.org/10.2991/meici-18.2018.76
DO  - 10.2991/meici-18.2018.76
ID  - Chen2018/12
ER  -