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新兴互联网金融P2P网络贷款平台存在许多风险,迫使国家采取各种法律规制手段。学界对于P2P网络贷款平台为何要采取法律规制缺乏系统研究,对于规制原则,亦未加以论证。从法理角度而言,对P2P网络贷款平台规制源于国家适度干预原则、国家经济安全原则和契约正义学说。结合P2P网络贷款平台特征,对于其规制应采取规制适度原则和规制差异性原则。
Emerging Internet financial P2P network loan platform, there are many risks, forcing the state to adopt a variety of legal regulatory tools. There is no systematic study on why academic circles should take legal regulation on the platform of P2P online lending. Nor is there any proof on the principle of regulation. From the perspective of jurisprudence, the regulation of P2P network lending platform stems from the principle of modest intervention by the state, the principle of national economic security and the doctrine of contractual justice. Combined with the characteristics of P2P network loan platform, for its regulation should take the principle of regulating the appropriate and regulatory differences.