| Since the P2 P network lending industry was introduced to our country in 2007,the development process has full of ups and downs.At the beginning,having high expectations,it is taken as a new pathfinder in this industry.Well now,it becomes into a negative press coverage situation.More even people prefer to treat the P2 P network platform as synonymous with "scam".The root reason is that the rights and interests of the parties,who belong to the P2 P lending industry,can not be gotten effective protection.Then it is used by lawbreaker to do unlawful and criminal activities,and also it is taken as a tool to damage the lawful rights and interests of the parties.As a matter of fact,the P2 P network lending industry remedies some deficiencies of the traditional private lending,and also it provides great convenience to individual,middle and small-sized enterprises,and some other financing institutions that can’t obtain founds.At the same time,it also breaks the deadlock of lending market in our country,and finds a way out for the idle funds,and pours new life into the market.The long-term stable development of the P2 P network lending industry depends on those parties who are care about if their legal interest can be protected by law.So studying on parties rights has important practical significance for promoting the development of P2 P network lending industry.The network lending industry is quite different from the traditional folk lending,especially in dealing with the parties’ relationship more complex.Besides the lenders and borrowers,this platform also includes P2 P lending platform itself and the third party guarantee agencies.So it’s equally important to protect their rights and interests.The text is based on the P2 P lending platform as the breakthrough point of parties.By anglicizing the P2 P lending platform status both at home and abroad,the reasonable positioning of the parties,parties’ specific situations on different business types and the research on the exploration of rights issues,try to have a clear understanding on the rights of the parties in the P2 P network platform.Through the analysis of the current laws and regulations and relevant regulations,it should be thought and summarized the problems that exist on P2 P lending platform litigant’s rights and interests protection,to put forward a program for perfecting our country’s credit system of credit rating system against those problems and come up with the laws and regulations on Credit reporting aspects as soon as possible,and to establish a market access and market exit mechanism,to strengthen the self-construction of P2 P network lending platform.Those measures are to protect P2 P network platform parties’ lawful rights and interests as right to know,right of privacy and right of recourse,etc,so that make P2 P network platform have a long-term and healthy development. |
