P2P业务中的金融消费权益保护问题研究

近年来我国P2P网贷行业快速发展,但随着一批P2P公司陷入兑付困境,其背后隐藏的风险也开始显现。本文在介绍P2P存在的管理不规范等问题的基础上,剖析了导致这些问题的根源——立法空白、监管缺失、自律不足,最后提出了明确监管法规和部门、建立平台资金管理机制、加强信息披露等建议。

Research on the Problems of Financial Consumer Rights and Interests Protection in P2P Business

The person-to-person （P2P） internet-based lending industry grows rapidly in our country recent years, but as a batch of P2P companies sinking in the redemption dilemma,the hiding risks start to appear. Based on introducing the problems of P2P companies, this paper analyzes the causes of the problems, such as the legislative blank, lack of supervision and self-discipline, and finally gives out corresponding suggestions of clearing regulatory regulations and departments,establishing the fund platform management mechanism and making information public.