Research On Legal Issues Of Internet Finance Leasing

Internet financing lease comes into being in 2013 with the of Internet + Finance Lease".It is different from the traditional finance lease which only includes the three main party and connects investors of the large number of consumers together through the Internet platform.The finance leasing company obtains financing by realizing P2P lending to investors or transferring the creditor's rights or usufruct of the financial leasing contract to investors and the investors also gain profits by online financial products.Therefore,the internet financing lease is a kind of innovation and beneficial to each main party.In our country,existed internet financing lease mainly has three patterns:network lending mode,credit assignment mode and usufruct transfer mode.The three modes involve different legal relationships and loan contract,credit assignment agreement and usufruct rights transfer contract are added on each mode respectively.Internet financing lease has many advantages:for the finance leasing companies,it broadens financing channels and revitalizes funds;for the leasing enterprises,it solves the financing difficulties for present small and medium-sized enterprises and for consumers,it provides the safe financial products to them.In addition,there also exist a serious of legal problems in internet financing lease,for example,self-financing,capital pool,illegal absorbing public savings or illegal Fund-raising and illegal lending and other risks.To solve these problems,we can apply the existing laws and regulations to conduct applicable regulations and develop specifications to the internet financing lease as soon as possible and include the behavior of internet financing lease completely into the regulation of the laws and regulations at the same time.