인터넷 플러스 시대 중국 P2P 대차 플랫폼의법적 위험 및 감시

Abstract

P2P(Peer-to-Peer) Lending is a kind of Internet lending model which is that individuals through the independent third party Internet platform to conclude lending transactions, and it is a new financial model, which is developed with the development of the Internet and the rise of folk lending. In the Internet plus era, it is not only an useful supplement to the traditional financial sector, but also an industrial upgrading for the traditional private lending industry. However, the rapidly development of Chinese P2P industries bring up a great number of problem platforms in recent years. As the industry is in the initial stages of development and regulatory system is not perfect, P2P lending platforms as an Internet financial pioneer walk on the edge of the law and at risk anytime. Therefore, this paper will start from the concept, nature of P2P lending and the comparison with foreign P2P lending platform, and P2P platforms will be classified from aspects of Criminal, administrative, civil liability in order to remind platform operators the legal deadline. The paper will be from exploring the legislative supervision mode of Chinese national conditions, specifying regulatory measures in the form of legislation, improving the credit system, introducing the qualified investors system and enhancing the industry self-regulation etc. several aspects to advance on improving and perfecting the P2P lending platform of China.