Research On Legal Protection Of P2P Lending Financial Consumers' Rights And Interests

As one of the main modes of Internet finance,P2 P lending is an important part of Internet finance.Since 2007,China's first P2 P lending platform has been on the line.With the popularity of Internet technology and the rapid development of information technology,the new financial innovation model of P2 P lending has become more and more understood and accepted by the public.While the P2 P lending industry has made considerable progress,it has also exposed many problems due to the lag of legislation and the lack of supervision,which has seriously violated the legitimate rights and interests of financial consumers.At the same time,because the P2 P lending industry is a financial transaction model based on Internet technology,its transaction process relies on the network platform to achieve.This particularity causes financial consumers to face more risks such as illegal fund-raising,credit fraud,and personal information disclosure.In the event of violations of financial consumer rights,financial consumer rights protection will also face difficulties in obtaining evidence,many links,and difficult recovery of funds.If the problem is not effective,its rights and interests will not be effectively guaranteed.This paper attempts to start from the development track of China's P2 P lending,combined with the recent national compliance requirements for P2 P lending platform,trying to explore how to effectively protect P2 P lending financial consumer rights during the critical period of institutional exit and transformation.And establish a long-term protection mechanism.This paper includes five parts.First,points out the background of the topic and the research.Second,points out the overall situation of the development of China's P2 P lending industry,and selects three typical P2 P lending platforms,namely,pat on loan,Lujin,and building block,to analyze the risks faced by P2 P lending financial consumers under different modes.Third,specifically analyzes the deep-rooted causes of risk,and points out the main problemsin China's protection of P2 P lending financial consumer rights from the aspects of legislation,system and industry self-discipline,and affirms the need for China's P2 P lending financial consumer protection.Fourth,points out the protection of the P2 P lending financial consumers from the P2 P lending platform supervision overview and the regulatory agencies' financial protection legal protection system,and uses the comparative analysis method to obtain the British and American.The two countries can be used for reference in the protection of P2 P lending investors.Last part is from the sound P2 P lending financial consumer rights protection system,improving and innovating P2 P lending platform supervision measures,smoothing P2 P lending financial consumer diversification relief channels,strengtheningP2 P lending financial consumer education.It is pointed out how to strengthen the legal protection of P2 P financial consumers in China under the background of strict supervision.