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网络借贷不断发展,P2P平台的运营模式已经不限于最初的信息中介模式,随之而来的有担保模式,信贷资产证券化模式,以及以宜信为代表的债权转让模式。宜信通过第三人唐宁将其债权进行打散转让给投资者,但其与传统的债权转让存在着差别,第三人唐宁未将债权转让的事实通知借款人,借款人和投资人之间并未形成新的债权债务关系。宜信债权转让的运营模式存在质疑,本文将重点分析宜信债权转让模式的不合理之处,提出完善该模式的建议。
With the continuous development of online lending, the operation mode of P2P platform is not limited to the original information intermediation mode, followed by secured mode, credit asset securitization model and creditor’s rights transfer model represented by Credit Suisse Group. Should believe through a third person Downing to disperse their claims to investors, but it is different from the traditional creditor’s rights transfer, the third person Downing did not transfer the creditor’s rights to the fact that the borrower, borrower and investor Did not form a new debt and debt relationship. Credit creditors should be credited in the transfer mode of operation there is a question, this article will focus on analysis of Credit unsecured credit transfer model, put forward suggestions to improve the model.