网络借贷的发展现状、风险分析及其法律规制

摘要

In recent years,with the popularity of Internet,Internet lending has emerged and developed rapidly as a new way of folk debit. But owing to the lack of legal system and effective supervision as well as the imperfection of social credit system,the free development of Internet lending also has enormous hidden risk. This thesis elaborates the development status of domestic Internet lending,analyzes the main risk of Internet lending and puts forward a re-lated propose to consummate the legal regulation of Internet lending in our country on the basis of drawing lessons from the mature experience of developed countries.%近年来，随着网络日益普及，网络借贷作为一种新兴民间借贷方式在我国悄然兴起并得到迅速发展。但是由于法律制度与有效监管的缺失以及社会信用体系的不完善，其自由发展也潜藏着一些较大的风险隐患。文章介绍了国内网络借贷的发展现状，分析了网络借贷的主要风险，并在借鉴发达国家成熟经验的基础上，提出了完善我国网络借贷法律规制的相关建议。