Research On The Legal System For Normal Development Of Network Lending

China's first network lending platform which is called ppdai was established in June 2007.From 2013 to 2015,the network lending industry was booming,the size of the transaction and the number of platforms have created a new record.According to the net loan home data show that at the end of October 2015,the cumulative turnover of network lending more than 1 trillion yuan.At the same time,the problems caused by network lending also continue to emerge,network lending industry platform for good and bad,a growing number of issues with the platform,between network lending and illegal fund-raising legal entanglement and so on,which have restricted the further development of China's Internet banking.Shanxi is in the financial revitalization of the industrial transformation stage,to face the legal problems of network lending platform,in order to better promote the healthy development of this new financing channels for more enterprises and residents.In view of China's network lending has just arisen,at the practical level,the development of network lending is not a unified fixed model,but also in the exploratory stage.At the legal level,the network lending in addition to a programmatic document,the law of the network lending industry access and supervision is still a blank,there is no specialized legal documents to regulate them.At the same time,the Chinese scholars on the network borrowing the legal research work less,for the legal issues of the development of Shanxi network lending has not yet appeared.Therefore,this paper lending situation of Shanxi's network investigation,using the method of literature research,case study method,comparative analysis method,the agency will survey method,from a realistic point of view of Shanxi Network lending,starting with the analysis of the legal risks of Shanxi Network lending specific features and Shanxi Network lending,combined with and learn from the useful experience of American and British network lending,puts forward the Legal Countermeasures of development of our country network lending practices.The basic content of this paper includes four parts:The first part describes the basic theory of network lending.First of all,the paper defines the network lending,and discusses the main features of the network lending.Secondly,it analyzes the operation mode of the net loan platform.The second part focuses on the legal analysis of the development of Shanxi net loan platform.First of all,the analysis of the main operation patterns for network lending platform in Shanxi;followed by discussion of the five basic characteristics of the network lending platform in Shanxi.Finally,from three angles of operation mode,policy and law,regulatory analysis the Shanxi Network lending platform has a legal risk.The third part mainly introduces the situation of the development of American and British Internet lending and the useful reference for China.Mainly from four aspects of the credit system,access threshold,regulatory system and consumer protection are described.The fourth part puts forward the legal countermeasures for the standardization development of Internet lending in our country.First of all,we should clear network lending regulatory body;secondly,from two aspects of access network lending platform and practitioners access to establish lending network access mechanism;Thirdly,a clear network lending institutions operating range;Finally,from the perfect personal credit system and improve the consumer protection two aspects and puts forward the relevant suggestions.