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P2P是當前火熱的互聯網金融最主要的一種表現形式,其本身又具有多種不同的業務形態,但幾乎每一種業務形態都涉及債權轉讓,有些P2P業務形態甚至完全圍繞債權轉讓展開,還有一些所謂的線下P2P企業也以債權轉讓作爲主要業務通道,卻深陷資金池的輿論漩渦。因此,有必要對中國當前法律體系中的債權轉讓制度作一個較全面的梳理,並結合當前P2P各種業務形態中債權轉讓的適用作分析探究,爲互聯網金融的進一步健康發展指明方向。
P2P is the most important manifestation of the fiery Internet finance at present, and has many different business forms in itself. However, almost every business form involves the transfer of creditor’s rights. Some P2P business forms even go around the transfer of creditor’s rights completely. Some so-called " Of offline P2P companies also creditor rights transfer as the main business channel, but deep in the whirlpool of capital pool. Therefore, it is necessary to make a more comprehensive review of the creditor’s rights transfer system in China’s current legal system, and to analyze and explore the application of the transfer of claims in various P2P business forms, so as to point out the direction for the further healthy development of Internet finance.