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本文首先分析P2P网络贷款的一般性和特殊性,并介绍了该业务的发展过程和几种主要模式。然后以分析合同的有效性为抓手分析了P2P网络借贷其中的法律关系,主要分析了借贷法律关系、居间法律关系和担保法律关系,对目前存在在行业内非法集资、贷款人知情权保护不力、不合规担保等现象进行了法律分析。进而分析了在民事诉讼中会面对的与P2P网络借贷有关的几个诉讼问题,包括电子证据真伪问题、诉讼形式和提交证据的范围和标准等。
This paper first analyzes the generality and particularity of P2P network loan, and introduces the development process and several main modes of this business. Then it analyzes the legal relationship among P2P network lending by analyzing the validity of the contract. It mainly analyzes the legal relationship of lending, inter-legal relationship and legal relationship of guarantee, which is not conducive to the illegal fund-raising in the industry and the protection of the lender’s right to know , Non-compliance guarantees and other phenomena conducted a legal analysis. And then it analyzes several lawsuits issues that will be faced in P2P litigation in civil litigation, including the issue of the authenticity of electronic evidence, the form of litigation and the scope and standard of evidence submission.