| The emergence of network lending platform provides convenience for people's life,also makes some people get higher income,and meets the needs of small and micro financial markets,while promoting the development of social economy is of great significance.In the early stage of the development of the network lending platform,because of its huge interests,regulatory vacuum and low access threshold,the industry of the network lending platform developed brutally.At the same time,it also buried hidden dangers for illegal fund-raising,money laundering and other legal issues.Because the network lending platform is a rising industry with the help of the Internet,it has the inherent characteristics of rapid spread of risk,wide spread,high risk coefficient.In order to realize inclusive finance step by step and make the network lending platform play its positive role better,the perfection of the legal supervision system has become an urgent problem to be solved.This paper reveals the characteristics and potential risks of the network lending platform with typical cases,and analyzes the main legal risks in the platform through the definition of its concept,its operation mode and development process.At the same time,the existing regulatory laws and regulations are sorted out,compared with foreign regulatory policies,on this basis,and put forward regulatory proposals to standardize development and prevent risks. |
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