Legal Regulation Of The Network Lending Platform Provider

With the frequent occurrence of the international financial crisis, the domestic economy is facing enormous pressure, governments at all levels continue to put forward the requirements of economic development mode shift, companies continue to promote "innovation-driven, transformation and development." In this context, the financial sector there were many innovative enterprises.Net lending transaction platform is a new financial model, which by virtue of the network beyond the limits of time and space, and expanded the scope of private lending, SMEs and individuals to solve the difficult problem of financing the development of the personal credit system, prosperity our credit markets.However, because the network lending platform in the initial stage of rapid development and lack of stability, there has been a lot of financial risk issues and network lending disputes. The main reason, our lending platform for the legal status of the network provider without a clear positioning, the corresponding legal obligations and legal responsibilities are not clear, and the legal regulation for the industry access network lending platform provider is not perfect.The first part- the network lending platform development history and living environment. This section describes the meaning of the net lending, net lending platform outlines the history and background, and summed up the network environment for the survival lending industry, come to our laws and national policies for its development is certainly a positive attitude.The second part- the definition and the legal nature of the network lending platform provider. The comparative analysis of the solid part through commercial banks, small loan companies and non-governmental agency and other agencies, to define the meaning of the net loan lending platform provider, summed up the characteristics of net loan platform providers, and explained its legal nature, the legitimacy and particularity to be described.Part III- lending platform provider network operating mode. By comparing this section, using the chart depicts lending platform provider network operational model and business model, and the standardization of business model put forward reasonable proposals.Part IV- a legal obligation to network lending platform provider. This part of the legal relationship between the network lending platform providers were introduced, a detailed analysis of the legal obligation intervening network lending platform provider, and the introduction of the case described its violation of civil legal obligations should bear the legal consequences.Part V- network lending platform providers face legal risks. The section from the actual point of view, discusses the four legal risks lending platform provider networks face, and the prevention and control of the risks presented reasonable proposals for the development of the network and their lending platform for the whole industry has practical significance.Suggestions for network lending platform provider Legal Regulation- Part VI. The section from the perspective of civil law and public law perspective on legal regulation network lending platform provider involved made reasonable proposals.