Research On The Legal Mechanism For The Protection Of Lenders' Rights In P2P Network Lending

With the continuous innovation of Internet technology and the widespread penetration into various industries,the process of industrial integration is accelerating.The two hot areas of Finance and the Internet collide with each other,and a new financial model P2 P net loan is in full swing.Nowadays,Internet finance has generated hundreds of billions of dollars in the scale of mobile payment industry worldwide,tens of billions of dollars of P2 P industry,5 billion yuan of the public financing industry and so on,and has led to changes in traditional consumption habits,and even lifestyle changes.In order to change the net loan industry like clusters,bad phenomenon against the net loan lender interest,many ministries jointly issued the "network credit information intermediary business activity management Interim Measures" to promote a series of strict regulatory measures to strengthen the legal governance of chaos in the field of P2 P.But the P2 P network lending is still the lack of special laws and regulations to protect the interests of the people by the net lending and a set of perfect protection system.This paper will analysis the particularity of the P2 P network lending lender status,intended to introduce the concept of Internet financial consumers,the use of consumer rights protection and financial rights protection in the two major areas of expanded P2 P net lending by the concept of the boundary,the right to clear.At the same time,we fully contrast the protection measures of the borrower in the field of Internet lending between the mature P2 P net loan countries in the capital market and the United States,and put forward our methods of supervision and protection.The first part of this paper introduces the P2 P network lending basic legal issues,analysis of the specific content of the legal relationship of P2 P net loan,the definition of network lending lender status analysis lists the specific rights of net loan lender.The second part analyzes the legal reasons of P2 P net loan lender rights,summed up the lack of the educational rights of consumers,financial investors lack proper financial information asymmetry,caused the crisis and consumer rights dilemma is restricting China's network lending benign and healthy development of the cancer,need to focus,to maintain financial market order.The third part of the specific description of the United Kingdom and the UnitedStates in the field of P2 P lending the typical operation mode and consumer protection measures,let the reader know the rights protection mechanism of mature finance field,and summarizes the measures for P2 P network lending regulation departments in our country to improve learning.The last part puts forward the improvement of China's P2 P net loan lender protection mechanism,clear from the three aspects of strengthening the protection of the lender.First,regulate industry regulation: improve the industry threshold,formulate financial consumer protection laws,establish financial consumer protection institutions,pay attention to online lending platform exit mechanism,and strengthen industry associations self-discipline.Second,improve the lender funds security system: standard net loan lender qualification examination and the introduction of financial insurance system,accelerate the construction of credit system.Third,to build the online dispute settlement system of P2 P network lending dispute,we are committed to developing a healthy and healthy network lending market system.