中国P2P小额信贷企业的法律规制

Legal regulation of Chinese P2P microfinance industry

基于当前中国P2P小额信贷行业的发育状况和制度需求,未来P2P小额信贷行业立法应以鼓励、扶持、保护、促进为基本目的,逐步放松管制。针对其主要经营主体P2P小额信贷企业,应在对其法律性质进行准确定位的基础上,在最低注册资本、主要从业人员任职资格、网络经营许可等方面加强准入规制;其广告宣传应当真实适度,要有必要的用户信用评级,合同签订和履行时应充分考虑到借贷双方的利益;在资金管理方面,要严控贷款用途和借贷利率,资金要有第三方托管;应加强对用户个人信息的保护,不得侵犯或泄露用户的个人隐私。

Based on the current development status of P2P microfinance service industry and the system demand, the paper suggested that the future of the P2P microfinance industry legislation should focus on the form of entity of this industry, the form of service, the form of money management, credit regulation and information management, so as to guard against and dissolve the risk industry, ensuring financial security.