The foreign name of online lending is peer-to-peer lending. P2P online lending is the abbreviation of peer-to-peer lending, including personal online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (itfin) industry. In 20 12, the number of online lending platforms in China increased rapidly. At present, there are about 350 active platforms, and as of April 20 15, the total number has reached 3054.
From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to Support Access. Connect the on-the-job P2P online lending institutions to the credit information system.
: The meaning of peer-to-peer lending
1. Internet finance still belongs to finance in essence, and has not changed the characteristics of financial risks such as concealment, contagion, universality and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new business. Formulate moderately loose regulatory policies to leave room for Internet financial innovation. Encourage innovation, strengthen supervision and support each other, promote the healthy development of internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, and clarify the risk bottom line. Protect legitimate business operations and resolutely crack down on illegal activities.
2. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct borrowing between individuals through the Internet platform. The direct lending of personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by Contract Law, General Principles of Civil Law and relevant judicial interpretations in the Supreme People's Court. Internet micro-credit refers to the micro-credit provided to customers by Internet companies through their holding micro-credit companies. Network microfinance should abide by the existing regulatory provisions of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.