Research On The Problem Of P2P Network Lending Guarantee From The Perspective Of Civil Law

The P2P network lending is generated under the background of the government to support the development of small and medium-sized enterprises,to encourage the healthy development of private capital,as well as the "Internet plus" policy,it is different from traditional private lending,based on the lender's investment needs and borrower's borrowing needs,resulting the new lending relationship with the help of the P2P network lending platform.The P2P network lending in China has experienced the process of transplantation from abroad and continued localization.It has been transformed from the original pure intermediary mode to the self-guarantee or the third-party guarantees as the main guarantee mode of lending.These guarantee modes make lenders realize the demand for fund safety and security while gaining the investment benefits,enrich the lender's investment channels.However,market parties such as lenders,borrowers and the P2P network lending platforms cannot ignore the risks brought by the P2P network lending to capital security and market security while enjoying the national policy dividends and market interests.The continuous emergence of the problem platform reminds us that we must raise the level of emphasis on this new mode of lending and to be vigilant about the risks it may cause,and constantly improve relevant laws and various systems.Otherwise,it will not only damage the interests of the lenders,but also the market parties such as the borrowers or the P2P network lending platforms may even find fault with the law and fall into the abyss of crime.On the basis of grasping the legal nature and the basic mode of the P2P network lending platform,this article deeply discusses the guarantee problems in several major modes.Finally,this paper puts forward feasible measures for legal regulation in order to promote the healthy development of the P2P network lending in our country.