我国P2P网络借贷平台法律风险的防控路径新探

New Exploration of Legal Risk Control Access of P2P Network Lending Platform in China

近年来,有关围绕P2P网络借贷平台法律风险事件凸显,严重影响了社会稳定,其主要表现为经济犯罪的法律风险,信息披露不当的违约风险以及信息技术安全不合规的侵权风险,其成因在于我国相关法律制度不健全、监管体制滞后与互联网金融相互脱节。防控P2P网络借贷平台所引发的法律风险,要探寻治理路径,更新监管理念,规范起步,从完善网络借贷市场的法律制度入手,明确P2P网络借贷平台准入标准和退出机制,夯实市场发展基础;统一各地监管政策,明确中央部委及其地方监管职责,建立监管信息共享平台,形成市场协同监管机制;完善相关风险防控措施,构建事前预警、事中监控和事后处理一体化的风险控制系统,以促进网络借贷市场健康稳定的发展。

In recent years, the case of legal risk of P2 P Network Lending Platforms has caught people＇s eyes and its consequence has caused serious effects on social stability. In addition, it is mainly showed as legal risks of economic crime, contact-breaking risk of improper information disclosure and infringement risk of improper information technology security. And the causes are unsoundness of interrelated legal system, lag of supervision system and disjointing of E-finance. The approaches of controlling legal risk caused by P2 P Network Lending Platforms are searching methods of management, updating supervision concepts, regulating the start norms, establishing sound legal system of network lending market, defining P2 P Network Lending Platforms＇ standard for admittance standard and exit system and laying a solid foundation for the development of market. Besides, we should unify the policy of supervision and management, clarify the supervision responsibility of central and local ministries and commissions, establish a sharing platform for supervision and management information, form coordinated management and supervision mechanism of market, take good measures of risk control mechanism, set up risk control mechanism with pre warning, monitoring, and post processing. In this way, we can promote the healthy and steady development of network lending market.