Research On Legal Issues Related To P2P Network Lending In China

The emergence and development of peer to peer lending is a good way to make up for the insufficient capital utilization under the market economy.On the surface,it is a kind of Internet finance.It forms a new financing way with the third party payment,Crowdfunding,Peer to peer lending is another manifestation of private lending,but with the help of the new network technology,,coat" only.Peer to peer lending purpose is to integrate the masses of the public idle funds to lend to those in need,and the borrower can also be charged a certain interest.This new financial network with the new financial technology can better accelerate the flow of social capital and promote social and economic development,while for individuals,both sides can achieve a win-win for both sides of the borrower and lender.This paper focuses on several problems in Peer to peer lending platform from the perspective of contract.At the same time,it also puts forward its own viewpoints on the hot issues of internet loan in recent years,and puts forward some corresponding measures in combination with relevant experience abroad.Specifically,the text include the four main parts:The first part,sum the situation of P2P network borrowing.Firstly,it explains the basic concept of P2P network loan,analyzes the cause after clarifying the concept,then summarizes the development of P2P platform in our country,and paves the way for the following discussion.In the second part,the author compares the development of P2P network loan in foreign countries,focusing on the comparative study of the earlier development of the United Kingdom and the United States,focusing on the regulatory system and regulatory content from the two aspects of analysis and pointed out the advantages of its development and For our country to deal with relevant issues for reference and learn from the useful experienceIn the third part,the author makes a deep research on the basic problems existing in P2P network loan,mainly from the perspective of contract law to explore the legal problems existing in the P2P network loan platform,but also points out that in recent years,Outstanding issue.The fourth part,in view of the specific problems mentioned above,combined with the relevant experience of foreign treatment,the first start from the regulatory reasons,four specific aspects of the proposed improvement measures.