Research On The Protection Of The Legal Rights Of Investors In P2P Network Lending In China

P2P lending is a combination of Internet technology and traditional financial business financial innovation.Through the convenience of the Internet to some extent,beyond the limitations of space and time,making cross-border or even cross-border private lending can be easily completed.P2P greatly complement and innovation of traditional folk lending,private financing for free financing to provide great convenience,but also become a very popular new way of investment.But can not be avoided,due to the lack of supporting regulations and the corresponding regulatory,P2P led to the problems are endless,resulting in a huge negative impact.Whether it can effectively protect the legal rights and interests of P2P investors and promote the healthy,stable and sustainable development of the whole industry is an urgent problem to be solved.This paper is divided into four chapters.The author in the first chapter,firstly elaborated the basic theory of P2P,and the course of its development is analyzed,especially the detailed analysis of its development in Chinese;secondly elaborated several kinds of legal relations in the P2P;at the end of the current P2P company’s operating mode the classification and comparison.In the second chapter,the author will use more than half of the length of the text of the contents of the second chapter.The author carefully and deeply explores the risks and main problems in the protection of P2P investors.First,from the P2P platform and the demand for funds and the third party guarantee institutions three aspects of investment made various specific risk infringement;secondly from the P2P industry,P2P company and the investor’s own point of view of the three existing investor protection problem explained.In the third chapter,it mainly explores the following two aspects.First of all,it discusses how to protect the rights and interests of investors in the United Kingdom,the specific measures;second,the experience of the United States and the United States to our country’s reference and inspiration.Finally in the fourth chapter,according to the risks and problems in the second chapter,according to the current regulatory policies,and puts forward suggestions and measures to improve the right system,and supervision system and self-discipline system of three categories of Chinese investors to protect the legal rights to offerwords.