The Legal Regulation On P2P Network Loan

With the constant progress of the society,economic prosperity,the application of network technology,people's production and living has been rapid change?On the one hand,people no longer like the past only willing to put money in the bank to earn a little interest,hope to have more interest return,there is a lot of demand for finance and investment;On the other hand,a few small micro enterprise need capital flow,but don't have the ability to pay for higher interest rates.At this point,there is supply and demand of the market under the background of the P2 P network borrowing information intermediary institutions arises at the historic moment.Information about borrowing a P2 P network is dedicated to provide information for both borrowers and lenders,make both parties can be on the platform according to their own economic strength and risk to bear ability choose trading partners,and provide services to both sides of the transaction,neither involved or take risks,intermediary service charge only.The world's first P2 P lending information intermediaries Zopa originated in Britain,then the rise of P2 P lenders are constantly from country to country.Many individuals and platform due to the risk control,design cost far less than a credit card,bank and individuals with organizations outside the range of small loans are pouring into the P2 P platform,it also has provided a broad space for the P2 P development.Development more fully with the United States: Lending Club and Prosper,the United States become the main platform of the arena.In 2007 China's first P2 P platform "on loan" was formally established,marked the lending market in our country there is a new force into forward.However,as the P2 P lending market platform number increasing,also come problem platform,especially the 2014,2015,two years,"close","run" phenomenon can be found everywhere,and even some financial company in the name of network borrowing for illegal financing,financing or fraud,particularly the emergence of e rent treasure event to the bell of the P2 P lending industry in our country.In order to get rid of this industry,China's relevant departments for reference industry norms,Britain and the United States have passedlaws and regulations for rectification,Such as "about promoting the healthy development of the Internet financial guidance","the Internet financial risks rectification work plan",the P2 P lending risks rectification work plan ",the network credit information intermediary business management interim measures " and so on are all related to P2 P lending industry rules make clear and detailed specification,Especially designed for P2 P industry the P2 P lending risks rectification work plan ",the network credit information intermediary business management interim measures" come on stage is a blow to the industry,make network lending industry in China as in the past no longer fish in troubled waters,chaos.At the same time,P2 P lending industry actively establish self-discipline association,according to the development of the industry,formulate feasible self-discipline system,together with legal norms in network industries can prosperous,healthy and stable development.