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近几年来,P2P网贷平台实现了快速发展,关于网贷平台的风险及收益话题一直是人们关注的重心。P2P网贷平台作为一种全新的互联网金融平台,在其运行以及快速发展的进程中经历了一系列困境,信息体系不够健全、运营过程存在违法属性以及利率保护不到位等等。针对这些问题展开探讨,对我国P2P网贷平台涉及的监管法律方面的问题进行探讨,为创建适应当前社会发展的法律体系,为进一步实现P2P网贷平台快速发展创建完善的信用体系以及相应的法律法规,维护我国金融市场稳定,保障我国P2P网贷平台实现长期可持续发展十分重要且必要。
In recent years, P2P lending platform has achieved rapid development. The topic of risk and profit of lending platform has always been the focus of attention. As a brand-new Internet financial platform, P2P network loan platform has experienced a series of dilemmas in its operation and rapid development, the information system is not perfect, the operation process has illegal properties and the interest rate protection is not in place. In order to establish a legal system that adapts to the current social development and establish a sound credit system and corresponding law in order to further realize the rapid development of P2P network loan platform, this paper explores these issues and probes into the regulatory legal issues involved in our P2P network loan platform. Laws and regulations, safeguarding the stability of China’s financial market and ensuring the long-term sustainable development of China’s P2P network loan platform are very important and necessary.