Research On The Legal Relationship Of P2P Network Financing Lease

With the popularity of P2P network lending,the P2P network financial leasing industry emerges as the times require.The innovative combination of traditional financial leasing business and P2P network lending is an effective supplement to the traditional financial leasing industry and makes a wide range of financing amount.During the period from 2013 to 2016,the P2P network financial leasing in our country developed rapidly,taking the financial leasing business as the asset end to derive a variety of operation modes.There are two main models: debt transfer model and grandstanding model.The development of this industry exposed enough problems and even economic crimes emerged in the P2P network financial leasing industry.It entered a difficult period of development.This paper analyzes the legal relationships among the main legal subjects in the main mode of P2P network financial leasing and review the predicament and existing problems of P2P financial leasing business in the respect of legal relationships.Such as a self-guarantee,illegal setting of funding pool,Ponzi scheme,suspected securitization of assets,etc.This paper tries to explore a way to break through the dilemma of P2P network financing lease.