Study On Protection Of Investors’ Rights And Interest In P2P Lending

P2P lending is a kind of lending method by which individuals use Internet information platforms to lend funds to borrowers.Compared with traditional borrowing relationships,P2 P lending here is through third parties on the network.Dedicated lending platform.Since its introduction into China in 2007,it has been gradually sprouting up to rapid development.After more than a decade,due to the corresponding regulatory system,supporting financial services have not yet been fully developed in China.At the same time,P2 P lending has been developing at a high speed.And challenge it.In recent years,the national supervisory authorities have also become aware of these problems.The adoption of laws and regulations has incorporated the P2 P lending industry into the supervision of the CBRC as the main responsibility.The integrated supervision system coordinated by other regulatory authorities has exerted a major impact on the P2 P lending industry..In order to strengthen the protection of the rights and interest of P2 P lending investors,this article mainly explains and discusses through the following sections.The first part discusses the legal status of P2 P lending investors.Firstly,the P2 P lending investor is analyzed as the creditor of the loan contract,the process of his production and the party and legal relationship in the contract,and the second is the introduction of P2 P online loan investors as consumers’ characteristics and types of rights.In the second part,the status quo of the protection of the investor’s rights and interest in P2 P lending in China and its causes.The first is the status quo of China’s P2 P lending investor’s rights and interest,the right to property security,and the right to know the real situation.Second,the reasons for the problems in the protection of the rights and interest of P2 P lending investors in China are mainly the protection of rights and interest.Systems,regulatory systems,dispute resolution mechanisms,etc.The third part is the investor’s right protection system in foreign P2 P lending and its enlightenment to our country.The first is the investor’s rights and interest protection system for foreign P2 P lending,which analyzes the rights and interest protection mechanism of investors in the Anglo-American P2 P lending platform;followed by the enlightenment of the rights protection system for investors in the Anglo-American P2 P lending.The first is to strengthen the industry.The second is the introduction of special rights protection regulations and the third is the improvement of the social credit system.The fourth part is to improve the protection of investors’ rights and interest in P2 P lending in China.The first is to strengthen the protection of investors through financial supervision,including strengthening the access and withdrawal of the platform,filing registration system,and improving the division of responsibilities among the national supervisory authorities;secondly,the dispute resolution mechanism is diversified,including internal and external dispute resolution approaches,and third parties Secured compensation,the introduction of commercial insurance,etc.;the third is through the establishment of open and custody system,including the establishment of information disclosure system of online loan platform,fund depository and management system;the fourth is to establish a systematic credit system.