Research On Legal Issues Of P2P Network Lending Platform In China

In 2007 the first P2 P network lending platform, pat loan set up to run, opened the prelude to our P2 P network lending industry. According to the net loan data and cut-off by 2015 the number of December domestic network lending platform for 3858, new only in the month of December, the number of platforms have 89. Wenzhou loan, Hongling venture, the Mavericks online, PPmoney, should credit a large number of influential platforms have emerged, clinch a deal the scale is more and more big. Only 2015 December Hongling venture capital turnover is Amounted to 80 billion, the volume of PPmoney1 also 46 billion. Network lending is the traditional folk lending in the network extension of L, and it is also the important part of the Internet banking. It retains the flexibility of private lending also play the advantages of Internet and information technology, expand the depth and breadth of the lending transaction. Active in the financial market, enterprises and individual entrepreneurs capital needs solving, network lending platform plays a immediate effect, has become an important part of the formal financial. It is the increasing Market influence, so that more and more people begin to pay attention to it and study it.However, so far the network lending platform hasn’t got the government a "legal status", because there is no clear regulatory body, the lack of specific laws and regulations, P2 P network lending industry problems are emerging. More and more P2 P platform began to close down insolvent. Some platforms suspected of illegal fund-raising was the seizure of the public security organs, borrowers malicious arrears platform leaked borrowing both sides of personal information, such as all sorts of problems emerge in endlessly. Only in January 2016 platform, there are 88 problems are more concentrated for "business", "foot", "is now difficult to mention". This paper on the basis of the basic theory of P2 P network lending platform is introduced in and on the existence of the main legal risks for analysis and research, hope to be able to the relevant regulatory decision-making provide a reference and promote the sustaineddevelopment of our P2 P lending industry, to contribute to the healthy development of Internet banking, as well as in the tide of peoples and entrepreneurship, wide Big record customers to provide fast and efficient funding needs.