P2P网络借贷风险规制法律问题研究

Research on the Legal Problems about Risk Regulation of P2P Lending

作为新金融业态的典型代表和互联网金融的重要组成部分,P2P网络借贷的快速发展给当前金融机构体系带来了挑战,P2P网络借贷的风险也日益引起理论界和实务界的高度关注。P2P网络借贷涉及P2P网络借贷平台本身、金融消费者和资金需求者等三个主体,在当前法制不健全的情况下,这三个主体都面临着不同的法律风险。要确保P2P网络借贷的健康发展,需要充分发挥中国互联网金融协会的引导作用,也需要完善相关的法律、行政法规和部门规章来规避P2P网络借贷风险。

As a typical representative of new financial format and key component of internet finance, the rapid development of P2P lending is a big challenge for financial system at present, and the risk from P2P lending has attached the high attention from theory and practice. P2P lending includes three bodies ： P2P lending itself, financial consumer and financial demander, and the imperfect legal system has caused different risk problems for all this bodies. In order to healthily develop the P2P lending, we should fully play the guiding role of China Internet Finance Association and perfect the relative laws, administrative regulations, and departmental rules and regulations.