Study On P2P Network Lending Legal Risk And Legal Regulation

P2P network lending is essentially a kind of financial innovation in the Internet era,which is the result of the integration of Internet and financial tools.Compared with the traditional financial model,network lending shows the characteristics of decentralization,low cost,high efficiency,convenience and so on,which is conducive to make up for the shortcomings of traditional financial and promote the realization of Inclusive Finance.However,compared with the rapid development of the first mock exam,China’s legal system for P2P lending,the obvious lag of government regulation and the long term virtual self discipline of the industry make the P2P platform frequent exploding.So,It is necessary to regulate P2P lending.By defining the P2P network lending and its legal relationship,and on the basis of analyzing the current situation of China’s P2P network lending legal regulation,this paper points out that there are some problems in China’s P2P network lending legal regulation,such as the lack of market access and exit standards,the lagging construction of credit system,the incomplete information disclosure system,the inadequate implementation of capital deposit,and the weak protection of financial consumers’ rights and interests.Based on the analysis and summary of the experience of the Britain,United States,France and other countries in the legal regulation of P2P online lending,this paper proposes that China should speed up the legislation of P2P online lending industry,optimize the regulatory system,improve the access standards of online lending platform,improve the exit procedures,improve the establishment of China’s Internet financial credit system,refine the information disclosure system,improve the way of capital deposit,and form the financial consumer rights and interests The guiding protection mechanism enables P2P network lending platform to play its advantages in China.