Thoughts On The Construction Of Legal System Of P2P Network Lending

P2P network lending platform is the emergence of the combination of Internet and financial innovation. P2 P network lending originated in the UK, it is mainly due to the huge demand for financing market. With the P2 P network lending in the rapid development of our country, it exposed more and more problems.Through the research and analysis of the financial innovation, this paper want to find out the legal risk, from macroscopic and microcosmic aspects of the legal system of the architecture.This paper first briefly introduces the concept of P2 P network.Summarized several business models of P2 P net loan platform. The significance and value of the economic development of our country are summarized. And then analyzes the legal issues of P2 P net loan. Finally summed up the P2 P net loan platform may exist vario us legal risks, that it is imperative to its legislative regulation, and should be from the macro and micro aspects of the two aspects of the legal system design.In the design of the legal system of macro level. First of all, this paper demonstrates the legal status of the P2 P network lending platform.This paper think it is not belong to non deposit taking lenders,traditional non bank financial institutions, borrowing. Final article on the P2 P net loan positioning is a small Micro Internet financial services institutions and put forward the principle of P2 P net loan platform.At the micro level of the legal system design, this paper believes that the market access mainly to take registration system, and set the appropriate industry threshold. In the operation of the market to follow the direction of the three major regulatory, that is, to avoid risks, moderate regulation and protection of consumer rights. In the market withdrawal stage through set up exit principle, take active and passive exit mode and at the exit of the process of the rights and interests of consumers properly protected to ensure that the platform exit on the market and social cause minimal adverse effects, the final completion of the regulation of P2 P network lending platform.