我国P2P网络借贷规范化发展的法制建设探讨

On the legal System Construction of P2P Network Lending System in China

P2P网络借贷是实现国家普惠金融战略的重要手段。为了规范化我国P2P网络借贷的发展,对P2P业务暴露出的法律风险进行了探讨。首先分析了我国P2P网络借贷发展过程中暴露出的法律风险,在此基础上介绍了美国对P2P网络借鉴业务的立法与监管。针对我国P2P存在的法律问题,在借鉴美国经验的基础上给出了我国P2P网络借贷规范化发展的法制建设对策。

P2P network lending system is an important means to achieve national inclusive financial strategy. In order to standardize the development of P2P network lending system in China, the legal risks of P2P business exposure were discussed in this paper and the legal risks exposed in the development of P2P network in China as well . The paper also introduces the legislation and regulation of the United States in view of the legal problems existing in China＇s P2P lending system. Some measures to construct the legal system of P2P network lending and standardize its development in our country are given based on the experience of the United States.