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近年来,随着我国自贸区建设的推进以及各类鼓励融资租赁产业发展的政策性文件的出台,我国融资租赁行业发展迅猛。与此同时,随着互联网的普及,在社会各行业的广泛应用,催生了新型的金融模式,在这一背景下,互联网融资租赁这一新兴的交易模式应运而生。但由于这一模式产生的时间较短,还存在大量的立法完善空间。文章针对互联网融资租赁领域存在的法律风险与挑战进行分析,提出一些立法完善建议,以促进互联网融资租赁交易的规范化与法治化。
In recent years, with the promotion of China’s free trade area construction and various types of policy documents that encourage the development of the financial leasing industry, the financing leasing industry in our country is developing rapidly. At the same time, with the popularization of the Internet and the widespread application in various sectors of society, a new type of financial model has been spawned. Against this background, the emerging financing transaction mode of Internet financing has emerged. However, due to the short lead time of this model, there is still plenty of space for legislative improvement. This article analyzes the legal risks and challenges in the field of internet finance leasing, and puts forward some suggestions on how to perfect the legislation in order to promote the standardization and legalization of internet financing leasing transactions.