互联网金融背景下民间借贷存在的法律风险摘要从2007年第一家网贷企业拍拍贷成立开始，我国便掀起了互联网金融模式的P2P网贷行业浪潮。自2011年到2017年间，P2P网贷平台数量增长迅速，截至2018年1月累计的P2P平台已经有6000余家，其中运营正常的平台有约1900家。由于作为我国国内的新兴行业，运营不规范、监管不到位、规章制度不完善等问题导致出现了“跑路”、“诈骗”、“资金池”、“非法集资”、“爆雷潮”等大量问题平台的出现和倒闭，根据网贷天眼的不完全统计，截至2018年12月31日，全国累计的P2P网贷平台数量达到了6591家，其中问题平台总共有4982家。因此，问题平台的不断出现对整个行业造成了恶劣的影响，引起了大部分投资者的担忧和恐慌，但作为我国的一个新兴行业市场，随着监管力度的加强、规范企业的运营以及一些新兴有效模式的提出整顿，P2P网贷行业会存在更多优质平台供投资者和消费者放心使用。本文调查分析了目前国内P2P行业的现状，并指明了一些普遍存在的问题，通过对国内P2P网贷平台出现的问题的典型案例分析指出其平台导致倒闭的一些运营问题，借鉴了美国两大P2P网贷公司的完善的运营监管模式，为国内P2P行业带来有效的启示，通过前面对一些问题的分析以及从国外的借鉴，从微观角度分析提出了我国P2P行业的监管以及风控的整顿措施，使得该行业能够长期有效地发展下去。关键词：P2P网络借贷；法律风险；法律规制ITheLegalRisksofPrivateLendingintheContextofInternetFinanceAbstractSincetheestablishmentofthefirstonlinelendingenterprisein2007,ChinahassetoffawaveofP2PonlinelendingindustrybasedontheInternetfinancialmodel.From2011to2017,thenumberofP2Ponlinelendingplatformshasincreasedrapidly.AsofJanuary2018,therearemorethan6000P2Pplatforms,ofwhichabout1900areoperatingnormally.AsanewindustryinChina,problemssuchasirregularoperation,inadequatesupervisionandimperfectrulesandregulationshaveledtotheemergenceandcollapseofalargenumberofproblemplatforms,suchas"runaway","fraud","fundpool","illegalfund-raising","thunderstorm".Accordingtoincompletestatisticsofonlinelending,asofDecember31,2018,thecumulativenumberofP2PonlinelendingplatformsinChinahasbeenincreasing.Amongthem,thereare4982problemplatforms.Therefore,thecontinuousemergenceofproblemplatformshashadabadimpactonthewholeindustry,causingconcernandpanicofmostinvestors.However,asanemergingindustrymarketinChina,withthestrengtheningofsupervision,standardizingtheoperationofenterprisesandtheproposedrectificationofsomenewandeffectivemodels,therewillbemorehigh-qualityplatformsforinvestorsandconsumerstouseateaseintheP2Ponlinelendingindustry.。ThispaperinvestigatesandanalysesthecurrentsituationofdomesticP2Pindustry,andpointsoutsomecommonproblems.ThroughthetypicalcaseanalysisofdomesticP2Pnetworklendingplatformproblems,itpointsoutsomeoperationalproblemscausedbythecollapseofitsplatform,drawslessonsfromtheperfectoperationandsupervisionmodeoftwomajorP2PnetworklendingcompaniesintheUnitedStates,andbringseffectiveenlightenmenttodomesticP2Pindustry.Basedontheanalysisoftheproblemsandthereferencefromforeigncountries,thispaperputsforwardtheregulatorymeasuresandwindcontrolrectificationmeasuresoftheP2PindustryinChinafromthemicro-perspective,sothattheindustrycandevelopeffectivelyinthelongrun.Keywords:P2Pnetworklending;Legalrisk;LegalregulationII目录摘要...........................................................................................................................ⅠAbstract....................................................................................................................Ⅱ第一章绪论.......................................
