Financial Consumer Legal Protection For P2P Development Process In China

P2P network lending in recent years, the rapid development of an Internet financial model, to diversify their operation mode, the low threshold of participation in it by the majority of financial consumers. At the same time, along with the continuing fall of the platform, and many consumers suffer property loss disaster, facing the grim situation, this article is based on P2 P financial consumer protection the central theme of the exhibition was the development of P2 P process to start, sort of P2 P industry consumer protection in financial difficulties, the rule of law not only contemplation domestic demand, while in theory learn extraterritorial P2 P development experience, combined with China's judicial practice related cases, to explore the development process of P2 P protection of financial consumers ideas and programs, try to put forward a sound financial consumer protection system suggestions.Paper is divided into four chapters, structured as follows:The first chapter deals with the development process of P2 P this mode of financial consumer protection necessity. The current development status of P2 P network lending market to be introduced, to show the paper discusses the main industry operating environment, and refined by domestic scholars on the theoretical basis of the concept of financial research on consumers, clearly defined the concept of body positioning and consumer finance, after depth of P2 P file financial consumer protection foundation. Meanwhile, the analysis of solutions of the necessity of P2 P finance urgent protection of consumer rights, lay the foundation for further study after the text.The second chapter discusses the status of consumer protection and financial difficulties P2 P problems. This part of the country, focusing on impressions from a theoretical point of P2 P net loan status under the background of financial consumers, and to choose the 2014 election, in 2015 several classic case analysis to be represented, in theory and practice of the method of combining sorting out the financial plight of P2 P consumer protection exist, summarized as the system of legislation, regulation and law enforcement, judicial remedy problems in three dimensions, while further in-depth analysis of P2 P difficult financial consumer protection Causes.The third chapter is Reflections on the P2 P financial consumer protection configuration of the whole idea. This part of the research literature on the P2 P method applicable laws and regulations, policies and systematically through her latest research, targeted legal advice from insufficient levels of the foregoing proposed legislation while finishing P2 P system-level gaps, combined with the actual situation and the development of advanced foreign experience in our country, we put forward to improve the current plight of P2 P programs and is conducive to financial consumer protection suggestions from two aspects of regulatory enforcement and legal relief.The fourth chapter of the specific problems of P2 P probe into the financial consumer protection. This part of several core financial consumer protection issues more in-depth analysis for the current P2 P network lending in financial consumers right to information, privacy, security problems exist in funding, combined with the development direction of China and some P2 P extraterritorial experience propose concrete measures to guarantee financial P2 P core consumer rights, it is proposed to strengthen the supervision and management of P2 P network lending risk reserves, to further implement our P2 P financial consumer rights protection measures.