The Existing Risks and Countermeasures of Supervision and Management of P2P Online Lending

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.