Research On Legal Issues Of Network Lending

With the Internet banking in the ascendant, network lending booming. Network lending, as a means of financing relying on network technology, can quickly gather small funds, lending to a wide range of capital needs of the crowd. Lending network with its operation method is fast and agile, procedures and the advantages of simple, has been rapid development in the past few years, for many borrowers, the new growth of small and medium-sized enterprises and the vast number of investors provides many more convenient, and the prosperity of the entire private lending market. However, any new things always has both advantages and disadvantages, this kind of quick and convenient financing mode is no exception, at present, our country network lending industry contains many legal risks, there are still some problems have not been solved yet.This paper starts from the origin and development of network lending characteristics, advantages and disadvantages and different modes are discussed, simply on the network lending this new thing is introduced, the status quo of China's network lending and analysis, in the current network lending and relates to its related criminal activities under the condition of strict distinction between the dragons and fishes jumbled together, network lending legitimate and under the guise of network lending in the name of the illegal and criminal activities; then, separately from the network lending regulation, information disclosure and other aspects of the guarantee system, lack of supervision mechanism, points out the existence of network lending industry in China to improve the information disclosure and the lack of effective guarantee before the establishment of legal risk, to solve these problems Britain and other developed countries for reference, network lending control management experience, put forward one by one to improve our network of lending Countermeasures and suggestions, in order to establish a good system of the network lending, which is conducive to the promotion of network lending industry in our country healthy and stable and orderly manner.