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当下很多金融公司披着金融创新的外衣,在国家大力鼓励金融创新和金融监管政策放松管制的情况下野蛮发展,尤其是以P2P网贷平台为代表的金融公司近年来呈现蓬勃发展的态势,但发展的过程中也出现了很多逾越法律边界的行为,使得网贷平台处于无序监管的状态。本文作者拟将从P2P网贷平台的业务模式和法律风险的防范角度进行简要的剖析。
At present, many financial companies are dressed in the coat of financial innovation and are savagely developed when the country strongly encourages financial innovation and deregulation of financial regulatory policies. In particular, the financial companies represented by the P2P network loan platform have enjoyed a booming development in recent years. However, In the process of development, there have also been many behaviors that cross legal boundaries, making the platform of network-loan a disorderly regulation. The author of this paper intends to conduct a brief analysis from the point of view of the business model of P2P P2P platform and the prevention of legal risks.