商业研究

商业研究

• 商经理论 • 上一篇    

P2P网络借贷风险规制法律问题研究

鲁钊阳1,2   

  1. 西南政法大学 1.经济学院；2.法学博士后流动站，重庆 401120
  • 收稿日期:2016-11-26 出版日期:2017-03-19
  • 作者简介:鲁钊阳（1980-），男，湖北黄冈人，西南政法大学经济学院副教授，研究生导师，西南政法大学法学博士后流动站驻站研究人员，管理学博士，研究方向：金融经济学。
  • 基金资助:
    国家社会科学基金青年项目“金融服务创新促进新型农业经营主体发展的长效保障机制研究”，项目编号：14CJY049。

Research on the Legal Problems about Risk Regulation of P2P Lending

LU Zhao-yang1,2   

  1. 1.School of Economics, Southwest University of Political Science and Law, Chongqing 401120,China; 2. Post-doctoral Research Station of Law, Southwest University of Political Science and Law, Chongqing 401120,China
  • Received:2016-11-26 Online:2017-03-19

摘要： 作为新金融业态的典型代表和互联网金融的重要组成部分，P2P网络借贷的快速发展给当前金融机构体系带来了挑战，P2P网络借贷的风险也日益引起理论界和实务界的高度关注。P2P网络借贷涉及P2P网络借贷平台本身、金融消费者和资金需求者等三个主体，在当前法制不健全的情况下，这三个主体都面临着不同的法律风险。要确保P2P网络借贷的健康发展，需要充分发挥中国互联网金融协会的引导作用，也需要完善相关的法律、行政法规和部门规章来规避P2P网络借贷风险。

关键词: 互联网金融, 法律监管机制, 法律规制

Abstract: As a typical representative of new financial format and key component of internet finance, the rapid development of P2P lending is a big challenge for financial system at present, and the risk from P2P lending has attached the high attention from theory and practice. P2P lending includes three bodies: P2P lending itself, financial consumer and financial demander, and the imperfect legal system has caused different risk problems for all this bodies. In order to healthily develop the P2P lending, we should fully play the guiding role of China Internet Finance Association and perfect the relative laws, administrative regulations, and departmental rules and regulations.

Key words: internet finance, legal supervision system, legal regulation