网络信贷起源于英国,随后发展到美国、德国和其他国家,其典型的模式为:网络信贷公司提供平台,由借贷双方自由竞价,撮合成交。资金接触人获取利息收益,并承担风险;资金借入人到期偿还本金,网络信贷公司收取中介服务费。本文讨论国内网贷状况以及对应的法律风险与监管建议。 Network credit originated in the United Kingdom, and later developed to the United States, Germany and other countries, the typical model is: Internet credit company to provide a platform by the lenders and borrowers free bidding, brokered transactions. Funds access to people to obtain interest income, and bear the risk; the borrower to repay the principal due, Internet credit intermediary service fee charged by the company. This article discusses the status of domestic net loans and the corresponding legal risks and regulatory advice.