网络平台借贷的法律规制研究

Study on P2P Lending Regulation

网络平台借贷近年来在我国悄然兴起,从个人借助网络的C2C信贷模式(Peer to Peer Lending,简称P2P借贷),迅速演化为C2B、B2B、B2C网络借贷,并且由单一的线上或线下借贷,发展成线上线下共存,集信息、资金、签约、担保等基于网络平台的一揽子金融服务。借助网络科技,这种金融模式可以更好地满足借贷双方的需求,缓解小微企业融资难问题,促进个人消费,因此得到了很多地方政府的支持和一定程度的管理。然而,网络平台借贷迄今一直游离于金融监管之外,蕴含着一定的金融风险;作为新生事物,法学界对其运作规律和相关法律问题也不十分明了。有鉴于此,中国人民大学经济法学研究中心与江苏汇丰恒通律师事务所于2013年6月8日在南京举办了"P2P网贷行业法律环境及相关制度研讨会",就网络平台借贷法律问题进行研讨,兹选编一组会议论文刊载如下。

P2P Lending has emerged in China in recent years.It begins with the C2C lending model,transforms the model of C2B,B2B,B2C,and then develops a series of financial services including information,fund,contract and guarantee based on online or offline methods.Assisting with the internet,P2P Lending can satisfy the needs of lending or borrowing party,promote the individual consume action.It gets some supports from local government with a certain extent of regulation.But it still needs some financial regulations to preventing the financial risks.Meanwhile,law scholars has some disputes on this new thing's quality.To settle these problems,the Economic Law Center of Renmin University of China and Jiangsu HuiFeng High Ton Law Firm has sponsored a academic conference in Nanjing on June 8,2013.There are selected papers of this academic conference as follows.