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目前我国的网络融资行业的法律风险主要存在于平台法律定位不明确,易引发信用违约风险;监管体系不完善,行业规范化发展任重道远;易从普惠金融异化为非法的民间借贷、诈骗、非法集资、非法发行证券等违法行为这几个方面。针对上述法律风险,本文在借鉴域外有益做法的同时,结合我国的经济大环境,提出了多元化网络融资平台,明确监管部门职责;规定具体的网络融资准入、业务运作和退出机制的法律风险规制路径。
At present, the legal risks of China’s network financing industry lie in the unclear legal position of the platform and lead to the risk of credit default. The supervisory system is not perfect and the standardization of the industry has a long way to go. From the alienation of inclusive finance to illegal private lending, fraud and illegal fund-raising , Illegal distribution of securities and other illegal activities in these areas. In view of the above legal risks, this article draws upon the beneficial practices outside the territory, meanwhile, puts forward a diversified network financing platform combining with the economic environment of our country and clarifies the responsibilities of the regulatory authorities; stipulates specific legal risks of network financing access, business operation and exit mechanisms Regulatory path.