我国P2P网络借贷平台的法律性质  

On Legal Character of Domestic Person- to- Person Lending Platform

作　　者：刘然[1] 

机构地区：[1]中国政法大学民商经济法学院,北京100088

出　　处：《法学杂志》2015年第4期133-140,共8页Law Science Magazine

摘　　要：P2P网络借贷是从英美传入我国的一种新型借贷形态,属于"互联网金融"模式之一。由于尚无准入门槛、行业标准及监管机构,国内P2P网络借贷近年接连爆发问题,损害消费者权益,扰乱金融秩序,亟待政策法规出台以整顿行业乱象。P2P网络借贷平台的基本性质是"居间",同时,由于其业务具有金融属性,应将其纳入金融机构范畴。鉴于我国既有金融机构类型均不符合P2P网贷平台的特征,建议增加"金融服务机构"一类以定位P2P网络借贷平台,并规定准入、风险、监管等方面的特殊要求。Person - to - person lending, a branch of the so called internet finance, is a new type of lending, introduced to China from Britain and America. Due to lack of admission criterion, industry standards or regulator, in recent years serious problems of person - to - person lending arise continuously in domestic market, impairing the rights and interest of financial consumers, even disturbing the order of economy. Relevant policies and laws are urgently needed to regulate the industry. Person - to - person lending platform basically is a broker, and should be treated as a financial institution. Since none of existing financial institutions in China fit the characteristics of person -to -person lending platform, author suggests adding a type of ＂financial services institution＂ to define person -to -person lending platform, and prescribe special requirements relating admission, risk, etc.

关 键 词：P2P网络借贷 法律性质 金融服务机构 居间 

分 类 号：D922.28[政治法律—经济法学]