Research On Legal Risks And Countermeasures In The Operation Of P2P Network Loan Platform

Britain and the world's first focused on the personal loan business P2 P network platform--Zopa set up in london in March 2005. From then on, P2 P lending industry kicked off. Since it was introduced to China in 2007, the development speed is beyond imagination, and has become another informal financing model which is independent of the formal financial institutions. P2 P lending abroad depends on the safe and sound social credit system, has developed into a more mature stage of development. By comparison, Chinese P2 P network lending is still in its infancy, there is no clear define on the P2 P lending in Chinese Laws and regulations. The supervision of P2 P network lending platform and business basically in a vacuum state, the risk is worrying. Along with the rapid development of P2 P network lending, Many problems have become increasingly prominent. On one hand, endless of bankruptcy, running and fraud cast a shadow over the industry. On the other hand, the argument on risk control, rigid payment, business innovation, supervision principle can be heard without end. In the conflict between speed and risk of the P2 P lending bank has come to an important crossroads. Therefore, clear the legal status of the P2 P network lending platform, legal risks in operation and put forward effective legal supervision and management mechanism has become the key to the healthy and orderly development of the P2 P network lending, which is the key problem to be solved in this paper.