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近年来,P2P网络借贷在我国发展迅猛,同时也产生了一系列的法律问题。本文从P2P网贷平台发售理财产品的合法性、P2P网贷平台引入担保的合法性、P2P网贷的债权转让模式与信贷资产证券化是否同质、债权转让与非法集资这四个方面对P2P网络信贷下债权转让模式的合法性进行了讨论,认为P2P网络信贷下债权转让模式合法性的确难以界定。之所以难以判断,最重要的原因就是我国目前相关法律的缺失,因此,完善相关立法是保障P2P网贷平台合法运作的当务之急,同时,加强对平台的监管以及加强平台的自律,也是保障网贷平台合法运行的重要手段。
In recent years, P2P online lending has developed rapidly in our country, and a series of legal problems have also arisen. This article analyzes the validity of P2P financial products on the sale of wealth management products, the legitimacy of the introduction of P2P lending platform, the homogeneity of credit asset securitization and the transfer of creditor’s rights and illegal fund-raising. The legitimacy of the creditor’s rights transfer mode under the internet credit is discussed. It is difficult to define the legitimacy of the creditor’s rights transfer mode under the P2P network credit. The reason is difficult to judge, the most important reason is the lack of relevant laws in our country, therefore, improve the relevant legislation is to ensure the legitimate operation of P2P network credit platform imperative, at the same time, strengthen the supervision of the platform and strengthen the platform of self-discipline, but also to protect the net loan Platform an important means of legal operation.