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目前,我国科技水平发展迅猛,在网络时代的背景下,网络平台作为民间借贷的一种媒介,已经得到前所未有的发展。网络平台的诞生降低了融资成本,使贷款人与借款人直接进入协商接待事宜阶段,有效减少了借贷程序,省去了中间商的操作环节,改变了中间商间接的融资作用,银行作为传统借贷的中间商,网络借贷平台的诞生给其带来极大的冲击。网络借贷平台虽然已经得以广泛应用,但是由于相关律制度的不健全,因此,在发展过程中依旧面临着诸多风险。文章详细介绍了网络借贷平台的一些法律制度,以期降低网络借贷的风险,促进网络借贷的稳定发展。
At present, with the rapid development of science and technology in our country, under the background of the Internet age, as an intermediary for private lending, the network platform has enjoyed unprecedented development. The birth of the internet platform reduced the financing cost and enabled the lender and the borrower to directly enter the negotiation and reception stage, effectively reducing the borrowing procedure, eliminating the operation steps of the broker, changing the indirect financing function of brokers, and using the bank as the traditional lending Of the middlemen, the birth of online lending platform to bring great impact. Although the internet loan platform has been widely used, due to the imperfect system of related laws and regulations, many risks still face the development process. The article introduces some legal systems of internet lending platform in detail in order to reduce the risk of internet loans and promote the stable development of internet loans.