The Legal Analysis Of The Alienation Of The Nature Of The P2P Network Loan Platform In China

P2P network lending platform is a new financial information intermediary platform with the development of Internet technology.With the increasing internationalization of China’s market,P2 P network lending platform has taken root and sprouted rapidly in China in recent years.P2 P network lending platform has promoted the development of market economy in China,especially the new development of financing field.P2 P network loan makes contribution to the construction of inclusive finance by filling the deficiency of financing industry with its unique advantages.The appearance of P2 P network loan platform breaks through the space and interpersonal limitations of traditional folk lending in essence,and the P2 P network loan platform breaks through the space and interpersonal limitations of traditional folk lending,and makes a contribution to the construction of inclusive finance.In the early stage of development,the market accepted and welcomed the advantages of simple operation process,convenient audit procedure and quick receipt of money.However,compared with the rapid development of P2 P platform,the development of P2 P platform in China is gradually moving towards alienation.The legal attribute of P2 P platform is gradually dissimilated from the property of the former mediators to similar financial or financial institutions.And develops to the guarantee type or the debt transfer type dissimilation pattern,which does not accord with our country’s current legal position to P2 P seriously,and this kind of alienation of P2 P brings great risk to the P2 P platform,the lender,even the borrowed goods field and the financial market,and this dissimilation brings great risk to the P2 P platform,the borrower,and even the financial market.Platform run,investor funds loss and fund-raising fraud occur from time to time.Therefore,the P2 P platform should return to the legal orientation of the former mediators better and fulfill the rights and obligations of the mediators under the multi-party efforts.In addition,the country should regulate the P2 P platform effectively,set up the system of platform admission and exit,clarify the main body of supervision,perfect the regulation and credit standard,and so on.Only in this way can the P2 P platform return to its essence effectively.At the same time,it has far-reaching significance for the healthy development of the whole financial market.