Research On Legal Risk Regulation Of P2P Lending Platform

The growing prosperity of Internet finance has spawned a new type of financialorganization for P2 P lending,which has been widely respected and paid attention by the industry.As a combination of Internet and finance,P2 P network lending breaks through the limitations of traditional financial institutions in the regions and audiences of resources allocation and solves the problem of high borrowing costs and difficulty in lending to small and micro enterprises to some extent.Since the introduction of P2 P lending directly into the country from abroad,the rapid development of P2 P lending has also exposed a series of problems that exist in the early stage of development.The development speed of P2 P online lending is just inversely proportional to the speed of legal regulation,resulting in the plight that legal risks frequently and the legal and regulatory policies can’t be regulated during the development of P2 P lending.The regulatory authorities are aware of various legal loopholes and regulatory gaps in the lending industry and the regulatory authorities have jointly make law and promulgated a number of legal regulations.However,the thinking and strength of laws and policies have always been in the norms of principle,failing to standardize and regulate the operation of P2 P lending industry,and lacking of operability.As a rectification period from 2016 to 2017,regulators severely punished P2 P lending and strictly regulated the core issues of intermediary positioning and capital deposit for P2 P lending.The platform for the issue was decreasing year by year and the lending platform was put on record for compliance operation.However,Platform running,financial risk,credit information security risks still exist.Based on the introduction of the basic connotation,intermediary orientation and intermediary legal relationship of P2 P lending,this article integrates the existing legal risk types and their causes,and through the induction and analysis of the legal regulatory system,finds that the problems existing in the regulatory process rationalization proposal is put forward.