p2p 债权转让模式法律规制研究摘 要P2P 债权转让模式法律规制研究主要通过对采用债权转让模式的网贷平台进行研究，分析其产生的背景、风险以及法律规制。虽然我国 P2P 网贷平台将近发展了十年之久，但是当前 P2P 债权转让模式仍存在一些问题：如非法集资、非法发行债券的法律风险或者与互联网技术相伴随的信息安全与技术风险等等。在互联网金融的环境下通过利用 P2P 债权转让模式的漏洞，可能对出借人、借款人以及网贷平台造成损失进而触犯法律。因此为解决 P2P 债权转让模式的缺陷与不足，我们应当在借鉴国外 P2P 网贷平台法律规制的基础上不断完善相应的法律规范以及行业准入规范，对 P2P 网贷平台采取有力的监管措置并完善信息披露制度不断使 P2P 债权转让模式规范化，进而促进互联网金融行业健康发展。关键词：P2P；债权转让模式；互联网金融 ；法律规制IThe Study Of Legal Preventive Of P2P Assignment of Debt Mode AbstractThe study of legal preventive of P2P assignment of debt mode includes setting,risk,legal preventive by studying P2P online lending platform using P2P assignment of debt mode.Although P2P online lending platform in china has developed ten years,there are some problems about P2P assignment of debt mode ,for example,the legal risk about illegal fund raising and illegal issurance of securities and the risk of information securities and technology with the development of internet technology.In the setting of internet finance ,if someone take advantage of vulnerability of assignment of debt,it maybe make huge loss for lender ,borrower and online lending platform.In order to address the weaknesses of assignment of debt modes ,we are supposed to perfect relevant law and industry regulations and take powerful measures of online lending platform ,enhancing transparency in industry ,making assignment more standardize and the industry of internet finance developed more clearly.Key Words: P2P；Assignment of debt modes；Internet finance；Legal...
