Research On Legal Regulations Of P2P Network Loan In China

With the rapid development of the Internet and continuous integration among industries,private loan has extremely close relation with the Internet in financial field,which helps the P2 P network loan develops vigorously.Though P2 P network loan was originated from the United Kingdom,it has developed rapidly after being introduced into China since 2007.Some network platforms are becoming stronger,while others are eliminated as time goes on.To a certain extent,P2 P network loan has facilitated reform of the traditional private loan and made up for the weakness of information asymmetry in the traditional private loan.Information sharing among private loan meets the requirements of multilevel micro-finance and broaden the financing channels for small and medium enterprises,which is supplementary to the current traditional finance way.China's laws and regulations of regulating P2 P network loan have also appeared,but they are still inadequate for new problems exposed in the P2 P network loan process,which needs to be further refined and improved.In this paper,the author mainly aims to solve the important problems in the legal system of our country,including the qualitative P2 P network loan platform,the transformation between legal science and policy,the imperfection of P2 P network loan dispute resolution mechanism,the P2 P network loan supervision subject's responsibility refinement,as well as the unclear legal status of the network loan consumer protection law.Based on reference to the advanced foreign experience of P2 P network loan,the contents of the relevant legal system in China are supplemented and perfected in order to realize the legal guidance and protection for P2 P loan,and promote the law – based and orderly development of China's P2 P network loan.The thesis is divided into five parts.The first part is an introduction concerning the theme of the thesis,including previous studies of P2 P network loan domestically and internationally,background and significance of the research on China's P2 P network loan legal regulations,research methods and difficulties.In the second part,the author mainly analyzes the origin,concept and nature of P2 P network loan at home and abroad,and determines that the P2 P network loan platform belongs to the information platform rather than the credit platform.At the same time,by comparing P2 P network loan with traditional financial loan,the author highlights the characteristics and advantages of P2 P network loan.As for the third part,firstly,the author mainly deals with the data and typical model analysis of the current situation of P2 P network loan in China;secondly,the author sorts out the relevant legislation on the P2 P network loan in China;finally,main problems of China's current P2 P network loan legal regulation are proposed.In the fourth part,the author combs foreign current P2 P network loan legal regulation,mainly including analysis and summary of representative laws and regulations in the United Kingdom and the United States,so as to give reference to legislative provisions of the protection scope of P2 P network loan in China.In the fifth part,the author puts forward perfect suggestions corresponding to problems based on the foreign advanced experience,aiming at the problems existing in the legal system provisions of P2 P network loan in China.