摘要
民间借贷网络平台是近几年产生的新型民间金融形式,它的法律性质是准金融机构。网络平台的产生有法律制度的原因,也有我国信贷市场的供需结构长期失衡与投资渠道欠缺的原因。网络平台的产生为借、贷双方提供了一个资金融通便捷的场所,不但满足了资金需求者的需要,也同时为借出者提供了一种类似于债券的理财方式。但是由于风险防范法律制度的缺失也带来了很多问题,因此本文就民间借贷网络平台的风险提出了风险防范法律制度的建构。
Online P2P lending platform, which should be defined as quasi-financial institutions from the legal perspective, is a new kind of nongovernmental finance that came into being in recent years. We shall attribute the emergence of online P2P lending platform to relevant legal institutions, the imbalance between supply and demand in the lending market, and lack of investment channels. Online P2P lending platform benefits both creditors and debtors by offering debtors with capitals and offering creditors with new way of managing financial affairs. However, due to lack of legal institutions on risk management, some problems arise. Therefore, I intend to state my thoughts on the construction of legal institutions on risk management concerning online P2P lending platform.
出处
《中国政法大学学报》
2012年第5期24-36,158,共13页
Journal Of CUPL
