Status quo of China’s P2P lending regulation


Status quo of China’s P2P lending regulation


Hang Yin

Global journal of Economics and Business Administration


This research illustrates the status quo of China’s P2P regulation by corresponding the current laws and rules with the business models and risks analyzed above. In this paper, China’s current P2P lending regulation is presented in terms of the existing laws, department rules, industry associations, and the adjudication situation of problem platforms. Through the research, it can be seen that the existing laws have blank and gray spaces for P2P lending industry. New department rules are expected to make up those legal gaps but have relatively low legal force. Regarding the industry self-regulation, the national industry association has just been established and has low coverage rate, while the local associations seldom have substantial effects. Besides, the adjudication situation of problem platforms is not ideal.


Keywords: China’s P2P, lending regulation,

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