防范P2P网贷异化风险的法律对策

Legal countermeasures against the risk of P 2 P network credit alienation

我国P2P网贷平台运行的制度供给不足。作为纯信息中介模式的P2P网贷平台在经营中异化为担保模式、债权转移模式、投资理财模式等信用中介模式,极易诱发法律风险、信用风险和金融风险。因此,亟须通过政府与市场共同发力、法律与制度联合规制,营造良性发展的法治环境,引导行业自律,形成完善的P2P网贷平台治理体系,避免金融风险蔓延,从而推动金融业健康发展。

The system supply of P2P network credit platform in China is insufficient.As a pure information intermediary model,the P2P network credit platform is alienated into credit intermediary model such as guarantee model,creditor′s right transfer model and investment and financing model.It is easy to induce legal risk,credit risk and financial risk.Therefore,it is urgent to create a sound legal environment through the joint efforts of the government and the market,to form the joint regulation of laws and systems,and to encourage and guide the industry self-discipline,to form a sound governance system of P2P network credit platform,so as to avoid the continuous spread of financial risks and promote the healthy development of the financial industry.