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现代化信息技术的创新,促进了网络平台的多样化发展。近年来,金融借贷行业逐渐延伸至网络产业当中,时至今日,P2P网络借贷行业在中国的借贷产业运营中已呈现领先趋势。随着P2P网贷平台发展规模的扩张,一些对应监管制度未能及时跟进造成P2P网贷平台管理模式的混乱。此外,网络环境毕竟是一个虚拟环境,P2P网贷平台交易双方只是借助电脑、笔记本等上网设备,进行接待工作,这样的P2P网贷平台交易缺乏严谨性和规范性,致使P2P网贷平台接连出现平台倒闭,资金回笼困难,涉及刑事犯罪等问题。对此,还需加强我国P2P网贷平台的法律规制,使得P2P网贷平台交易规范化。
The innovation of modern information technology has promoted the diversified development of the network platform. In recent years, the financial lending industry has gradually extended to the network industry. As of today, the P2P online lending industry has taken the lead in China’s lending industry. With the expansion of the development scale of P2P lending platform, some corresponding regulatory systems fail to timely follow the chaos resulting in the P2P lending platform management mode. In addition, the network environment is, after all, a virtual environment, P2P trading platform for loans only by means of computers, laptops and other Internet access equipment, reception work, P2P trading platform for such a lack of rigorous and normative, resulting P2P podium platform appeared after another Platform collapse, funding difficulties, involving criminal issues. In this regard, we still need to strengthen the legal regulation of P2P lending platform in China, making P2P lending platform transactions standardized.