The Problems Existing In The Protection Of The P2P Lender’s Rights And Interests And The Countermeasures

Since ppdai establishment in 2007,P2 P network lending mode has risen rapidly in a short period of time.P2 P network lending mode is a kind of private lending mode,which gathers small amount of funds to lend to people who need funds.On the one hand,this model not only meets the financing needs of small and medium-sized enterprises and social vulnerable groups,promotes the development of real economy,but also improves the utilization rate of social idle funds,which has the significance of Inclusive Finance.On the other hand,due to the lack of effective supervision and restriction in the field of P2 P network lending for a long time,the use of P2 P network lending platform is not uncommon,and the rights and interests of P2 P lenders are seriously infringed.The reason lies in the imperfection of law,the vacancy of specific supervision system and the imperfection of lender protection system in P2 P.Therefore,in order to effectively rectify and regulate all kinds of violations of the rights and interests of lenders in P2 P network lending field,it is of great practical significance to strengthen the research on the rights and interests of online lenders.This paper is divided into six chapters.In the introduction,the significance of the research on the protection of lenders’ rights and interests in P2 P is proposed,which paves the way for the following.In the second chapter,through two cases of e-rentbao and Oriental venture capital,this paper analyzes the main difficulties faced by the protection of the rights and interests of the lenders,and then explains the concept and characteristics of the online lenders and the main rights of the lenders in P2 P online lending.In the third chapter,the author enumerates and analyzes the current legal system of the lender’s rights and interests protection,and then finds the four legal system defects of the lender’s rights and interests protection.They are the imperfection of the legal system for the protection of the rights and interests of financial consumers,the infringement of the borrower’s right to know caused by theinformation asymmetry,the dilemma of safeguarding the rights of the borrower loaned by P2 P network,and the neglect of the borrower’s right to education.The fourth chapter compares the legal system and specific system of the protection of the rights and interests of P2 P lenders inthe United States and the United Kingdom through comparative research methods,and gets the enlightenment for the protection of the rights and interests of financial consumers in China.In the fifth part of this paper,combined with the actual situation of our country and the successful experience of foreign countries,specific solutions are put forward.The purpose of this paper is to put forward self-concept through the above analysis,combining with the actual situation and using what we have learned.