我国P2P网络借贷异化模式及法律规制

Legal regulation to the P2P network lending dissimilation in China

随着我国P2P的井喷式发展,部分P2P网贷平台在发展过程中脱离了信息中介的定位初衷,经营模式不断异化,由此产生了很多问题。本文以P2P网络借贷的概念和法律性质为基础,阐述了P2P网络借贷在我国异化经营的原因、表现形式,并在此基础上,提出了对相关法规的完善建议。

With the rapid development of P2P in China,some P2P online lending platforms have deviated from the original intention of information intermediary in the development process,and their business models are constantly dissimilated,resulting in many problems.Based on the concept and legal nature of P2P network lending,this paper expounds the reasons and manifestations of P2P network lending dissimilation in China,and on this basis,puts forward suggestions for the improvement of relevant laws and regulations.