Research On Legal Control Of P2P Network Loan Risk

Since entering the 21 st century,a new form of private finance provided by P2 P network loan platform,the borrower can apply for loan online,and the lender can provide financial support to the borrower through bidding through similar auction procedures.This service eases the imbalance between supply and demand in the credit market,and develops rapidly because of its convenience and high yield.At present,the P2 P development in China is fierce and accompanied by many problems.The operation of the industry has caused a series of legal problems and increased risks,which has run counter to the initial form of information intermediary,not only reflecting the risks of illegal operation of the industry,inadequate supply of legal system,lack of legal supervision,etc.We need to take active and effective measures to effectively deal with these risks,improve the legal risk control system,find a bright future for P2 P online lending platform,and constantly explore new ways.This paper is divided into five parts.The first part compares the research status of P2 P network lending at home and abroad,and makes analysis and research,from the policy,economy,humanities,law,environment and other aspects to explore the development status of the industry.The second part briefly expounds the concept of P2 P network lending in China,as well as the legal relationship and legal risks between them.In the third part,in order to explain the rationality of legal regulation,the basic legal basis of P2 P network lending legal regulation is summarized.At the same time,the paper puts forward the dilemma of P2 P network lending in China,and finds out the way out of the dilemma of legal regulation to solve it.The fourth part starts with the borrower,the lender,the intermediary platform and the third-party financial institutions,studies the legal risks caused by P2 P network lending in China,finds out the problems and possible legal risks,finds out the problems,and solves the problems under the conditions of corresponding laws and regulations.In the fifth part,combined with the actual situation of our country and drawing on the advanced experience of foreign countries,the author puts forward some suggestions on the path selection of P2 P network lending legal regulation.For the healthy development of Internet finance,in order to guide P2 P industry to return to the track of rule of law,in order to meet the actual needs of the market,some suggestions are put forward in order to improve.