Research On The Legal System Of The Network Lending Intermediate Platform In China

Lending to the network intermediate platform is a kind of lending intermediate platform which is arisen in the latest10years with providing financial service, its business model is only as a network offering financing platform of the two sides between the borrowers and lenders, and it will not deposit taking as well as lending. According to the borrowers requests information gave on the platform, the lenders can conclude the transaction with them finally by free matching. The new kind of financial service can well satisfy the inner small lending requirements at present and it promotes the development of private lending in some degree; but the seeming convenient lending to the network model always exists the Legal regulatory problems of lag behind between Platform and the legal system, chaos of regulatory body, a serious shortage of risk control, and etc. since its emergence. Therefore legal regulation is obligatory in platform itself, the borrowers, and the lenders in order to strengthens supervision, to promote benign development of p2p network lending, the new internet finance.The paper consist of introduction, main body, and conclusion.The one part is an introduction, introducing the thesis background together with its risk, stating how significant of strengthening supervision of lending to the network to the safety of national financial security. Also it give a presentation of a review of Literature and innovation points in this paper.There are three parts in body; Part two, Presenting the concept of lending to the network intermediate platform, first are definition and emergence of it second is a short introduction of foreign lending to the network intermediate platform and the comparison between it and commercial bank from different aspects; finally summarizing outstanding features and legal nature in private lending to the network platform.Part three, stating the problems of inner lending to the network intermediate platform existing in Legal Regulatory, first point out lag behind between it and the Legal System Construction, mainly showing in Platform identity fuzzy, Without special legal regulation, and Platform for illegal and criminal behavior; Then indicating Platform regulators subject not clear; last summarizing the platform itself, risk of operation, giving a conclusion that there is a less of laws of risk control in inner Lending to the network intermediate platform.Part four, showing the Regulation of the legal norms in strengthening inner Lending to the network intermediate platform; first introducing the foreign development of Lending to the network intermediate platform and regulatory measures; then giving a definite Legal regulatory measures in Lending to the network intermediate platform between platform, the lenders, and the borrowers.In the end, the research ideas and methods are collected in the conclusion part, the author’s point of view is also summarized.