Research On The Civil Liability Of P2P Online Lending Platforms

P2P online lending emerged in China in 2007.Since then,P2 P lending network to the rapid potential of the public's attention.However,after the barbaric and extensive growth,P2 P network lending problems occur frequently.Since then,regulators have cracked down on P2 P lending,setting off a storm of strict regulation.Since 2016,China banking regulatory commission(CBRC),together with relevant departments of the state council,has issued a series of documents to regulate and rectify the P2 P online lending market.Under the strict supervision,the P2 P online lending industry is surging.Since June 2018,at least 200 P2 P online lending platforms have become problematic in China every month.The frequent thunder of P2 P online lending platforms makes the online lending industry extremely nervous.Many investors lose confidence in P2 P online lending after the thunderstorm,and China's Internet finance industry is experiencing an unprecedented cold winter.At present,the special rectification work of the online lending industry is still in strong progress,a large number of P2 P online lending platforms without competitive advantages are bound to be eliminated by the market,and the benign withdrawal mechanism of P2 P online lending platforms is also striding forward.Moreover,in the near future and for a period of time,there will be a lot of civil disputes due to the withdrawal of P2 P online lending platforms.At present,there has been a lot of discussion on the general legal issues of P2 P online lending in China,such as the regulatory system,but there is a lack of discussion on the civil legal relationship and civil liability of online lending platforms.Clarifying the legal relationship and civil liability of P2 P online lending platforms is crucial to the settlement of a large number of civil disputes over P2 P online lending under the thunderstorm,and also an important factor affecting the long-term healthy development of P2 P online lending platforms.Therefore,this paper takes the civil liability of P2 P online lending platform as the research object,focuses on social hot issues,and analyzes the relevant civil liability in simple terms with practical cases,so as to contribute to the orderly development of P2 P online lending platform.