摘要
P2P网络借贷平台是近些年兴起的一种金融创新,P2P网络借贷在我国虽然发展起步较晚,由于其本身具有的一些属性和市场的需要,发展速度和规模却很惊人。但一些P2P网络借贷平台在一定程度上游离在法律的监管之外,在利益的驱使下,时有违法现象的发生,产生一系列的问题。本文从梳理P2P网络借贷平台发展的现状作为切入点,然后对P2P网络借贷平台的法律属性进行剖析和界定,进而归纳和分析P2P网络借贷平台产生和发展过程中出现的问题,在前述基础上,以发展为立足点,尝试性地提出P2P网络借贷平台的规制路径,期望能够为保障投资者利益,促进和规范网络借贷行业的发展具有现实意义。
P2 P online loan platform is a financial innovation emerging in recent years.Due to its features and market needs,its development are amazing.However,some P2 P online lending platforms are free from legal supervision to some extent.There are illegal phenomena and problems spurred by profits.Starting from the present situation of P2 P lending platform,this article analyzes and defines the legal nature of the P2 P online lending platform and analyzes the problems arising in the process of the emergence and development of the P2 P loan lending platform.Based on the analysis,the paper proposes the regulation of P2 P internet loan platform in order to to protect the investors’interests,promote and standardize the development of P2 P online lending platforms.
作者
曹梅
CAO Mei(School of Law,Huainan Normal University,Huainan Anhui 232001,China)
出处
《湖北第二师范学院学报》
2019年第6期26-29,共4页
Journal of Hubei University of Education
