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科技进步大(趋势下,互联网技术发展势头迅猛,许多新的行业也应运而生,其中互联网金融发展最为强盛,P2P网络借贷平台正是其中最热门的一项。与普通借贷方法相比,P2P网络借贷的优势在于它满足小额借贷,对借款人的要求较低、借款手续办理简便快捷,能够给借贷双方都带来好处。但是,随着借款人的爆发式增长,P2P暴露出来的问题也越来越多,最重要问题是这一借贷平台缺少法律监管,借贷双方的安全得不到保障,目前风险丛生、乱象迭起。本文就P2P网络借贷的现状对其风险及法律监管进行研究。
Science and technology progress (trend, the rapid development of Internet technology, many new industries have also emerged, of which the most powerful Internet finance development, P2P network lending platform is one of the most popular one.Compared with ordinary lending methods, P2P The advantage of online lending is that it meets the needs of borrowers, low borrowers, borrowing procedures are simple and quick, it can bring benefits to both lenders and borrowers.But as the borrower’s explosive growth, P2P exposed problems More and more, the most important issue is the lack of legal supervision of this lending platform, the security of both lenders and borrowers can not be guaranteed, the current risks and clusters of chaos.This paper studies the status of P2P online lending on its risk and legal supervision .