论文部分内容阅读
随着时代的发展,一种新型金融网络服务模式已经问世——P2P。它依托着网络形成,虽然是新型的模式,但是实质上仍属于我们熟悉的小额民间借贷,它的新颖之处就在于其借贷方式比较灵活简单,与传统的融资方式相比,提供了一种新式的融资途径,对现有银行金融服务进行了补充。本文结合我国P2P网络贷款的发展现状,将目光投注于P2P网络借贷债权人利益可能面临的法律方面的风险,并进一步剖析为什么会产生这些风险,本文还就如何保护P2P网络借贷债权人的利益给出了相应的制度设想与法律建议。
With the development of the times, a new model of financial network service has come out - P2P. It relies on the formation of the network, although it is a new model, but in essence still belong to the familiar small private lending, its novelty lies in its relatively flexible and easy way to borrow, compared with the traditional financing methods, providing a New types of financing channels complement existing banking financial services. Based on the current situation of the development of P2P network loan in our country, we focus on the legal risks that the interests of P2P network borrowers may face, and further analyze why these risks arise. This article also gives some suggestions on how to protect the interests of P2P network borrowers, Corresponding system ideas and legal advice.