P2P网贷的风险及法律规制

Risk and Supervision of P2P Net Loan

随着互联网金融在全球的迅速发展,余额宝、P2P、众筹成了流行语,P2P网贷的发展减少了融资中的信息不对称,一方面帮助小微企业融资,另一方面盘活了民间雄厚的资本,但是P2P网贷作为一种新型互联网金融模式,由于监管空白,缺少法律的规制,难免会遭遇很多风险。文章从介绍P2P的特点及运行模式出发,旨在发现P2P中可能存在的法律风险,做到风险的防范,帮助P2P在我国健康发展,为我国经济增长再助一臂之力。

With the Internet banking in the rapid development of global. The balance of treasure,P2 P,all the chips into the popular language,the development of P2 P network lending reduced information asymmetry in financing,on the one hand,help small micro enterprise financing,on the other hand revitalize the folk strong capital,but credit P2 P network as a new model of Internet financial,due to regulatory gaps,lack of legal regulation,will inevitably encounter a lot of risk. In this paper is to introduce the characteristics and the running mode of P2 P of Zhi in the discovery of legal risks that may exist in the P2 P,save for a rainy day,to find a good countermeasure,do risk prevention. It helps the P2 P in the healthy development of our country,as China's economic growth to lend a helping hand.