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近年来,通过网络借贷众筹平台等渠道进行借贷的方式逐渐风靡全球,这种新兴的借贷方式是传统金融和互联网在高度信息化时代的产物。代表了惠普金融和金融民主化的发展趋势,但由于网贷平台存在着法律地位不明、平台之间信息不对称、缺乏具体的监管细则等原因使其乱象频发。因此,本文通过分析网贷平台存在的法律风险及法律监管的必要性,为我国网络借贷平台的健康发展提出几点建议。
In recent years, borrowing through the Internet platform such as crowdfunding platform has gradually swept the world, this emerging lending is the traditional financial and Internet products in a highly information age. Hewlett-Packard on behalf of the financial and financial democratization trend, but because of the network credit platform has legal status unknown, information asymmetry between platforms, the lack of specific regulatory details and other reasons make it chaotic. Therefore, this article analyzes the legal risks existing in the network loan platform and the necessity of legal supervision, and puts forward some suggestions for the healthy development of the network loan platform in our country.