Research On The Legal Problems Of P2P Network Loan In China

In recent years, China’s network P2P lending industry was flourishing. Under the tide of Internet banking, it’s own unique comparative advantages not only provide stronger support for the people and the small micro-enterprise loan demand, but also gradually become an effective complement to traditional banking financial institutions and other new financial institutions. P2P lending network has gradually become the mainstream way of financing especially after the opening of the country’s major financial group lending network. However, behind the P2P network, representative of flourishing private financial lending, is the complex legal relations to avoid financial regulation, the business model of the formation of the closure of alienation, as well as frequent close of lending institutions P2P network, abscond.For significant social impact of such events, as a legal person can not help thinking:how to find the balance between the protection of financial innovation and the persistence of legal bottom line, while effectively fighting against crime; how to fill the vacuum industry regulation, regulate the behavior of network crediting, protect P2P lending network serving the real economy better.Therefore,by research of P2P network lending own characteristics and development status, the paper describes the abnormal development of the domestic P2P network lending industry, industry status and business model, organizes current laws and regulations related to the different sources of law, defines the nature of P2P network lending market Industry and several basic legal relationships.Thus providing basic tools to deal the problem of inadequate legislation, usury issues and supervision issues.Finally,under the premise of finding out the industry status and extracting the legal issues,on the view of legislation,judicial and law enforcement,the writer make comments and suggestions for the development of P2P network standardization of lending market so that this new financial business model could better serve the real economy.