P2P网络借贷风险的法律防范

• 作 者: 蔡莺依
• 机 构: 浙江农林大学,
• 出 处: 法制博览
• 发表日期: 2016年27期
• 关键词: P2P网络借贷 特有风险 法律防范

P2P网络借贷自2008年兴起开始,凭借快捷、灵活的优点一直快速发展,虽然它在一定程度上弥补了传统借贷的空白,有利于促进普惠金融政策的落实,但同时也带来了诸如监管风险、信息安全风险、融资端触犯刑法等多重风险。又由于上层建筑落后于经济发展,相关的法律法规、监管体系、征信机制还相当不完善。本文将从制定法律规范、明确法律监管主体及其职责、完善征信体系之建设、完善个人信息保护制度等方面探讨P2P网络借贷风险的防范。

Since its rise in 2008, peer-to-peer lending has been rapidly developing with the advantages of speediness and flexibility. Although it has partially offset the gap between traditional lending and borrowing and facilitated the implementation of an inclusive financial policy, it has also brought such problems as regulatory Risk, risk of information security, and multiple risks such as criminal law infringement at the financing end. And because the superstructure behind the economic development, relevant laws and regulations, the regulatory system, credit mechanism is still quite imperfect. This article will discuss the prevention of P2P online loan risk from the aspects of making laws and regulations, clarifying the main body of legal regulation and its duties, improving the construction of credit information system, and perfecting the personal information protection system.