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P2P网贷行业属于互联网金融行业中的新兴行业,但是由于我国的监管体系不健全,P2P网贷平台出现了一系列问题。针对其出现的消极影响,本文首先归纳了P2P网贷平台存在的问题,在深入分析存在法律问题的原因的基础上,提出着重加强P2P网贷平台的监督和管理。本文通过比较分析的方法,借鉴英美国家的先进经验并参考了相关期刊文献,提出了相应的解决建议。
P2P net loan industry belongs to the emerging industry in internet finance industry. However, due to the imperfect regulatory system in our country, P2P net loan platform has emerged a series of problems. In view of its negative impact, this paper first summarizes the existing problems of P2P network loan platform. On the basis of further analysis of the reasons for the existence of legal issues, this paper puts forward that the supervision and management of P2P network loan platform should be strengthened. In this paper, through comparative analysis of methods, drawing on the advanced experience of Anglo-American countries and reference to the relevant journal literature, put forward corresponding solutions to the recommendations.