Research On Internet Investors Right Protection Of P2P Lending

With the rapid development of the economy and the continuous advancement of network technologies,Internet technologies are quickly integrated into all industries.P2P network lending is a new business model.Compared with traditional bank loans,it improves the utilization of idle funds and reduces the cost of financing and it also facilitated personal financing and has developed rapidly in China in just ten years.However,with the development of the Internet,the development of P2P online lending has brought great convenience to consumers,while also increasing the difficulty of protecting consumer rights,especially as the current phenomenon of P2P lending investors' rights and interests has been infringed.Appeared,which makes the study of how to protect the rights and interests of P2P investors special and necessary.At the same time,the research on this issue can also enrich current theoretical research in academic circles.How to better protect the rights and interests of investors,the article uses a literature research method by consulting a large number of documents and electronic data.It is supplemented by research methods such as case studies,comparative studies,and multidisciplinary research.based on theoretical experience,The analysis of P2P industry characteristics and protection of investors' rights and interests starts with an analysis of the status quo of China's current P2P network loan investor protection and the problems faced and the deficiencies in protection.It points out that the current P2P industry is facing risks of illegal fund raising and liquidity risks.,credit risk,policy risk and other issues,which lead to investors' property and information security,fair trade face greater risks,investors' investment income right,information right,fair trade rights,information security rights and damages claim rights are also worthy of attention.Finally,it proposes that we should explore ways to protect the rights and interests of P2P network loan investors from the aspects of improving the legal system of protection of investors' rights and interests,establishing the supervision system of the P2P industry,and establishing a diversified dispute resolution mechanism.The article defines the P2P investor concept as a consumer,which also lays the foundation for the next analysis and conclusion of the article.As a special consumer,a P2P investor needs to be protected by the Consumer Protection Act,but The characteristics of the industry and the particularities of the investor community,and the improvement of relevant laws,regulations and industry supervision are also necessary,so as to more fully and effectively protect the interests of P2P investors.