Study On The Legal Risk And Its Prevention Countermeasures Of P2P Platform In China

The first P2P net credit platform was established in England in2005.And then “PaiPaiDai”, the first domestic P2P net credit platform wasfounded. Not long ago, the IPO of Lending Club was held successfully. Inlast10years, P2P net credit platform has experienced the process of scratchand the rapid development. It’s all because that the net credit platform, as anew financial field, does have a lot of advantages. It breaks the Highthreshold and strict containment of traditional bank, integrates thenetwork and the folk capital, makes the folk lending transactions moreconvenient, lower price and more flexible deadlines. It provides a new wayfor individuals and small and medium-sized enterprise’s financement,andalso provides a new choice for individuals and enterprises who have idlefunds.Moreover, it promotes the rational flow of private capital and furtherenriches the levels of credit, provides a new idea of networkfinancement,and promotes the development of the personal credit system.Due to the different conditions, P2P net credit platform developeddifferently in China.Despite the high-speed development, bankrupts andrising difficulties are very common. Besides the lack of its own industryself-discipline and other economic factors, the more important reason forthese is that the legal supervision and regulation are in vacuum state inChina.To play the role of the advantages of P2P net credit platform, we mustproceed from legal supervision and legal norm.The paper aims to grasp therule and frontline information of P2P net credit platform development byon-the-spot investigation of some representative net credit platforms andalso by personal lendings conducted by myself. And then discuss the legalprevention and supervision objectively and fairly.According to the matter of fact,we will introduce the present situationof P2P Network Loan platform,aim at four kind of main mode include:"online mode""assignment of debt mode""O2O mode""third party payment",and wewill analysis the legal nexus about them.On this basis,we will study aboutthe relative risk about this four kind of main mode and list the first-handdata to proof it.In the end,offer some proposal Legal analysis andSuggestions aboutRisk prevention and control,legal supervision and management,andStarting from the overall to come up with the framework construction aboutlegal norm.This article do lots of study and find some conclusion different fromothers.P2P divided into four kind of main mode,aim at different problems come up with different solutions.Proceed from data and Practicalinformation instead of embezzle Book Materials,basis on this,make surethis article will in touch with facts and more practicable.