Research On Legal Supervision Of Alienated Business Behavior Of P2P Network Lending Platform

P2P(Peer to Peer)network lending,as an emerging financial business model,has gradually entered the people's sight since 2005,and is used to satisfy the scattered investment needs of people.Since 2007,it has entered the Chinese market and developed rapidly.Due to the rapid development of this emerging industry,the problem that comes with it is the lack of effective regulation of laws and regulations.Due to the relative lag of regulatory legal norms and authority allocation,the P2P online lending platform has been able to grow wildly and gradually deviate from the normal business track.Lead to the emergence of alienated business practices.By analyzing the definition of P2P online lending,the main body of participation,and the role of financial market development,this paper first clarifies the background,concept and content of P2P online lending platform.This paper compares the development status of P2P online lending platform in other countries and the development status of the platform in China,and summarizes the three business models of P2P online lending platform in China.On this basis,the business content and business methods of China's P2P online lending platform are clarified.This paper analyzes the controversy over the nature of the P2P network lending platform,and then clarifies the subjective status and behavioral nature of its information intermediary.Identify the concept of alienated business practices.Analyze the legal risks arising from the alienation business behaviors from the borrowers,lenders,third-party affiliates and the platform itself,and clarify the manifestations of the alienation business behavior of the P2P network lending platform.This paper analyzes the causes of alienation business behaviors from the aspects of external factors such as financial suppression behavior and investment and financing institutions,as well as internal factors such as supervision system and system,so that the proposal of legal advice is more targeted.Finally,propose regulatory measures and legal advice.By referring to the foreign supervision mode,it puts forward suggestions on China's platform supervision in three aspects:personal information protection system,clear platform legal nature and risk prevention system,and specifies the supervision direction from three aspects:defining the regulatory body,improving the supervision content and establishing the supervision mode.Make the P2P network lending platform develop in an orderly and healthy manner.