网络借贷中介平台的法律规制研究

网络时代,民间借贷利用网络作为媒介发展出了网络借贷中介平台。它使直接融资成本降低,借款人和贷款人直接进行贷款事宜的协商,从而省去了作为中间商获利存在的银行,改变银行间接融资的作用,给银行业带来的巨大的冲击。网络借贷中介平台仍然是个新兴事物,由于众多法律和制度的不完善,其发展面临着很多的风险。本文从法律的视角对网络借贷中介平台的风险进行规制,以期平稳快速成长。

Network borrowing agent platform's law and regulation research

In the age of network,the internet lending intermediary platform emerged as a medium of folk lending.It reduces direct financing cost,makes borrowers and lenders directly consultate,eliminates the existence of bank as middlemen and changes the bank financing function.As a new lending intermediary,it also has many legal and institutional risks.This paper will solves the problems of the internet lending intermediary platform from the angle of law,makes it to grow steadily and rapidly.