AdiscussiononChina’snetworkoflendingandCountermeasuresPapersnetwork:[abstract]recentyearsNetworkborrowingasanewthinginourrapiddevelopment,duetothelackofthelegalsystemandregulatoryvacuum,sotherearesignificantpotentialriskstothenetworkborrowings,theurgentneedtoberegulated.Inthispaper,throughtheanalysisofthecurrentsituationandthemainproblemsinthedevelopmentofournetworkoflending,theproposedperfectnetworkborrowingscountermeasures.[PaperKeywords]Networkborrowing,riskprevention,regulatoryNetworkoflendingborrowinglendingactivitiesboththroughthenetworkplatformtocompletethenetworkoflendingbetweenborrowersandlenderssimplynetworkplatformforregistrationandauthenticationprocedurescanbereachedthroughthenetworklendingplatformborrowingsdesirable,intheprocessofborrowingcreditcertification,clearing,---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---deliveryprocessesthroughthenetworkplatformtocompletethenetworkplatformwillbechargedaservicefeetocompletethetransaction.borrowinginthenetworkinbothlendersandborrowersdonothavetomeetwithoutanagent,directlythroughthenetworkcancompletetheborrowingprocessGenerallyspeakingnetworkisborrowingasmallloan,unsecuredrequirements,belongingtothecreditlending.emergenceofonlinelendinghandtomeettheneedforfundstopromoteeconomicdevelopment,ontheotherhandtherearealsopolicy,legal,regulatory,internalcontrol,andmanyotherrisks,theurgentneedtoberegulated.One,thedevelopmentstatusofournetworkborrowingsThepurposeofourfirstonlinelendingplatformpatloanswasestablishedin2007,itisadheringtotheconceptof“friendslendingapleasure”byprovidinganetworkoflendingintermediaryservicestobothlendersandborrowersinAgreementcomplementaryresources.networklendingplatforminChinatherearetwomodesofonlineandofflineonline---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---modepatloans,Honglingventurecapitalastherepresentativeofalllendingactivitiesaredonethroughthenetwork.pat-primemodesiteitselfandnotparticipateinthelendingbusiness,bothlendersandborrowerswiththewebsiteitselflendingactivities,theamountoftheborrowingceiling,butusuallyislessthan50,000yuanloan.Honglingventurecapitalwillbecarefullyauditedborrowedfunds,andprovidesfinancialguaranteesmaturityalsoborrowingwebsite,debtservice,borrowingupto1million,butusuallyinthe30millionlinemodetotheappropriateletteronbehalfofitsborrowingisnotdonethroughthenetwork,Theinformationnetworkisjustaplatformspecificborrowingbymorethan30branchesinthecountrytocompleteamaximumborrowinglimitof$30million.Datashowthathashundredsofdomesticborrowinginnetworkplatform,networkfinancingamountforthefullyear2010over13billionyuan,thethemonthlylendingplatformtransactionamountofmorethan30millionyuan.Networkborrowingstobeinourrapidrisethefollowingreasons:First,thenetworkof---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---lendingduetothelackofrelevantindustryrulesandstandardsforadmittance,makingthenetworklendingplatformjustinthebusinesssectorregisteredyoucanbeginoperations,donotneedtosetupformalfinancialinstitutionsneedcomplexprocedures.Second,thecurrentbankpersonalloanbusinessthereproceduresarecomplexissuessuchastheneedtoguaranteemortgage,ordinarypeopleinordertoobtainsmallloansfromthebankisbothtime-consumingandlaborious,easeofborrowingbythenetworktomeetthepeopleoftheneedforsmallloanstomakeupforthelackoffinancialinstitutions.co...