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《网络借贷信息中介机构业务活动管理暂行办法》的发布和实施在一定程度上改变了网贷机构缺乏准入门槛,监管规则和体制机制不健全的状态,但其也存着在一些与实务不相和谐的地方。因此,如何以法治的手段规制P2P借贷行业的发展是市场所需。文章由禁止行为出发,以在运营过程中防控平台自身风险为价值导向进行法律分析,认为对于P2P平台的市场准入应采取核准主义的设立方式,且政府应当制定规范的P2P格式合同范本以规制P2P市场从而降低P2P平台违规风险,维护P2P行业的健康发展。
The promulgation and implementation of the Interim Measures for the Management of Business Activities of Internet Loan Information Intermediaries have, to some extent, changed the conditions for the lack of access thresholds, regulatory rules and institutional mechanisms for online credit lending institutions. However, they also exist in some situations that are not related to practice A harmonious place. Therefore, how to regulate the development of P2P lending industry by the rule of law is the market’s demand. The article starts from forbidding behavior and conducts legal analysis based on value-oriented risk prevention and control platform in the operation process. It considers that the market access of P2P platform should adopt the way of verification, and the government should formulate a normative P2P format contract model Regulate the P2P market to reduce the risk of P2P platform violations, and maintain the healthy development of P2P industry.