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进入21世纪,网络借贷已经到了蓬勃发展阶段,在互联网金融浪潮之下,越来越多的人开始选择借助网络借贷平台完成借款和贷款服务,享受互联网金融提供的便利。在网络借贷为更多人提供便捷的金融服务时,一些具有高隐蔽的违法现象也混淆其中,比如高利贷现象、非法集资现象。这些违法现象给网络借贷行业发展带来了极大的安全隐患,更侵犯了相关权利人的合法权益。基于此背景,本文针对网络借贷相关法律问题进行了研究,探究网络借贷现状及存在的主要问题,并针对这些问题给予合理化的解决建议,希望在健全的法律体系下促进网络借贷行业获得更加安全稳定的发展。
In the 21st century, online lending has reached a booming stage. Under the wave of Internet finance, more and more people are beginning to choose to borrow and loan online loan platforms and enjoy the convenience provided by Internet finance. When online lending provides more people with convenient financial services, some high-profile illegal phenomena are also mixed up, such as the phenomenon of usurious loans and illegal fund-raising. These illegal phenomena have brought great security risks to the development of the online loan industry and even violated the legitimate rights and interests of the relevant obligees. Based on this background, this paper studies the legal issues related to online lending, explores the status quo and existing problems of online lending, and provides reasonable solutions to these problems. We hope to promote a more secure and stable online lending industry under a sound legal system development of.