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随着互联网的普及以及互联网金融的发展,网络借贷在中国出现并得到快速的发展,参与主体、借贷规模呈现迅猛发展的势头,经营方式、平台、载体也得到了不断地创新。网络借贷的出现满足了不同融资群体的需求,对中小企业的融资,以及普通群体对小额资金的汲取起到了非常积极的作用。但是由于我国信用体系建设不完善,缺乏明确的监管主体和统一的监管原则,法律地位不明确等原因,网络借贷存在诸多风险,比如网络欺诈现象、借贷资金流失、借贷行为超出法律保护之外等。
With the popularization of the Internet and the development of Internet finance, the emergence of Internet loans in China has witnessed rapid development. The participants, the scale of loans and borrowings have enjoyed rapid development. The operation mode, platform and carrier have been continuously innovated. The emergence of online lending has met the needs of different financing groups and has played a very positive role in raising funds for SMEs and drawing lessons from small groups in the general population. However, due to the imperfect credit system in our country, the lack of a clear regulatory body and a unified regulatory principle, the legal status is not clear and so on, there are many risks in online lending, such as the phenomenon of internet fraud, the loss of borrowing funds and the lending behavior beyond the legal protection .