DOI: 10.36347/sjahss.2016.v04i07.002

Pages: 752-757

In recent years, P2P online lending industry has shown explosive development, the industry size and its turnover to expand at an alarming rate, but the asymmetric information, credit system is imperfect, the absence of industry regulation, lack of relevant legal measures, resulting in credit risk increasing conflict, poor borrowers abound. At the insistence of the online lending platform does not reveal all the details of the premise, to promote the healthy and orderly development of P2P online lending industry, we should broaden the scope of information collection, data sharing and to strengthen cross-sectoral collaboration and other aspects of credit to solve the problem of asymmetric information, establish and improve promises discipline mechanism, improve relevant laws and regulations and to build a credit culture in a bid to speed up the construction of credit system, improve the ability to control the wind industry, regulate the industry.