论我国p2p网络借贷的风险及其法律规制

On the Risk of p2p Net Loan and Its Legal Regulation

指出我国p2p行业发展迅猛,但也出现平台跑路、诈骗等,损害出借人的利益,扰乱金融市场秩序等问题。分析p2p网贷存在的借款人诈骗、用户个人信息泄露等风险。提出应该监管网贷平台创设新产品,通过设置p2p行业的准入门槛、合格出借人制度等对p2p行业进行法律规制的若干建议。

The paper points out that China＇s p2p industry is developing rapidly, but running away, fraud, etc. also appear, which damages the interests of the lender, disrupts the financial market order and other issues. It analyzes P2P net loan borrowers＇ fraud, the user＇s personal information leakage and other risks. It suggests that the establishment of new products of net lending platform should be regulated; , Through the establishment of the p2p industry access threshold, qualified lenders system and other legal regulations should be carried out for the p2p industry.