我国P2P网贷异化模式及法律规制

The Loan Alienation Mode and Legal Regulation of P2P Network in China

随着我国P2P网贷井喷式的发展,中国已是世界上最大的P2P网贷市场,与此同时,我国现在很多P2P网贷平台已经超越了P2P平台本身的服务范围,开始直接介入借贷双方的交易,使平台的性质发生了根本性的变化,本文试图通过对我国三种P2P网贷异化典型模式引发的诸多法律风险进行分析,从而提出相应对策建议,以期在防范风险和创新之间寻找一个平衡点。

With the development of P2 P network, China is already the world＇s largest P2 P online loan market. At the same time, many P2 P online lending platforms in China have surpassed the P2 P platform＇s own service scope and began to directly intervene in both lending and lending parties. The transaction has caused a fundamental change in the nature of the platform. This paper attempts to analyze the legal risks caused by the typical models of three P2 P online credit alienation in China, and proposes corresponding countermeasures, in order to find a way to prevent risks and innovation. A balance point.