Analysis On The Legality Of The Credit Assignment In Withdrawal Of P2P Online Leding Platform

While the regulatory authorities have banned the credit assignment of some P2 P online lending platforms,the legality of some credit transfer models have not been clarified.Through the logic behind financial supervision and the theory of credit assignment in civil law,there comes the conclusion that model of professional lenders and the model of securitization are illegal,at the meantime,the transfer mode of the platform's secondary creditor rights and the transfer mode of creditor's rights with legal rights are legal.On the basis of the legality identification,through the case analysis,the recognition of the credit transfer of the online loan platform in judicial practice has been done in this paper.During the process of combing,it was found that the validity of the creditor's notice and the separation of creditor's rights and mortgage rights in the trial case were still controversial,and relief suggestions were given for these two cases.Finally,based on the research results of this paper,the compliance suggestions and system recommendations for the transfer of creditor's rights of the P2 P online loan platform are given.