“Peer to Peer lending(P2P Lending)”is a kind of financial innovation which has easing some financing difficulties of the small micro enterprise and individuals. In these 10 years, P2 P lending in countries such as Britain and the United States are blossoming.P2 P have mushroomed in large numbers in the domestic since 2007. P2 P lending, however, is in the initial stage of development in our country, there are still many shortcomings.Firstly,P2 P lending in the operating mode, the mechanism still has some shortcomings. secondly, China’s relevant laws and regulations lack;Third, it is lack of effective supervision mechanism. So analyzing the risk of P2 P lending and making an effective risk of legal management is the key of develop internet credit healthily. And this is the key problem that this paper is to solve.The paper is divided into four parts content:The first charter mainly introduce the overview of P2 P lending. In this paper, we study the P2 P lending risk prevention and control law, and then the first clarify the concept of P2 P lending is very necessary. Firstly, it analyses the concept of P2 P lending.Secondly, analyzing the legal status of P2 P lending based on the operation mode and operation processes.At the same time, the paper main expound the legal relationship, through expounding on the legal relationship between the main body, it can provide a theoretical basic.The second part is aims to divide the risk of P2 P lending.Respectively from the P2 P lending business all parties involved in the main body, namely, borrowers, lenders, P2 P platform, escrow agency and the point of view of government regulation, analysis of P2 P network may cause the risk of borrowing.The third part introduces the legal management of the foreign discussions and supervision experiences on P2 P lending in foreign countries.P2 P was created in 2005 in British and is popular all over the world. The development process of the legal risk prevention and control of experience is worth our country as the pattern of the late introduction of countries learn from.In the fourth part,I present the proposals to improve legal management of P2 P lending. This chapter is based on the second and third chapter, it aims to find out some feasible countermeasures.At the end of the article, it will point out improving the P2 P lending risk prevention is imperative. The deficiency of this paper are pointed out and explains encountered obstacles when writing this paper.hopes to provide certain reference for the later research. |