Research On The Legislation Of The Civil Liability Of P2P Lending Platform Providers

P2P lending is the representative of China's Internet financial model,having positive significance to relieve conflict between the lack of private capital investment channels and SME financing difficulties of our country,have broad prospects for development in our country.In recent years,the problem of P2P lending has been concentrated,which has caused serious damage to the related subjects involved in the loan transaction,and brought many unstable factors to our country's economy and society.However,China's legislation on the civil liability of the P2P provider is still in a state of absence,related theoretical research is also very scarce,which is difficult to achieve effective norms for P2P lending platform providers and related P2P lending transactions.In this case,it is a general trend to carry out the special civil legislation for the internal legal relationship of the civil liability of P2P lending platform providers.This is the reality of the problem based on the P2P oriented lending development in the future,from the legislative point of view,the problem of the absence of civil liability legislation of P2P lending platform providers are analyzed,and on this basis,improve the relevant civil legislation put forward reasonable suggestions,in order to achieve effective regulation,P2P lending platform provider security related lending transactions subject to the legitimate rights and interests are not infringed.This article is divided into three parts.The first part points out the problems existing in the absence of legislation of civil liability in our current P2P lending platform providers,making a detailed description by the two aspects of the absence of legislation and the absence of legislation caused;The second part is the analysis of the defects caused by the lack of civil liability legislation of P2P lending platform providers,explaining the two aspects of fuzzy boundaries that the main responsibility of the main body is not clear,the scope of responsibility is fuzzy;The third part puts forward some suggestions on how to perfect the legislation of civil liability of P2P lending platform providers from the future legislative point of view,three aspects including legislative mode,legislative concept and content,the inadequacies of the existing legislative amendment and supplement".