互联网金融中对金融消费者的权益保障——以P2P网络贷款平台为例
The Protection of Financial Consumers’ Rights and Interests in Internet Finance—Taking P2P Network Loan Platform as an Example

随着互联网金融的蓬勃发展，我国金融市场正经历着前所未有的复杂变革。毫无疑问，互联网金融的出现为经济发展注入了新的活力。然而，相较于传统金融体系，互联网金融所带来的创新与变革也伴随着一系列潜在的风险与挑战。传统金融体系中的监管机制和法规对于这些互联网金融这种新型产业可能显得滞后，难以迅速应对市场变化，从而可能引发一系列系统性金融风险。P2P网络借贷平台作为互联网金融的典型模式曾经红极一时。但是，P2P网络贷款平台中存在的大量问题案例也引起了社会对于互联网金融风险的关注。不同于专业机构，P2P网络借贷平台存在的资金安全、信息披露不透明、违规运营等问题使得金融消费者对于这一新型金融模式的可信程度受到一定的影响，这也凸显了金融消费者在互联网金融中的弱势地位。因此，深入研究互联网金融中金融消费者权益保障的问题，特别是以P2P网络贷款平台为例进行详细剖析，并结合国外对于P2P网络借贷平台的发展与监管的情况，对于推动互联网金融的可持续健康发展，维护金融消费者的合法权益具有重要意义。本研究将聚焦于分析当前互联网金融环境中的问题，探讨相应的法律问题以及解决方案，以期为互联网金融的发展提供有价值的参考和建议。
With the vigorous development of Internet finance, China’s financial market is undergoing unprecedented complex changes. There is no doubt that the emergence of Internet finance has injected new vitality into economic development. However, compared with the traditional financial system, the innovation and change brought by Internet finance are also accompanied by a series of potential risks and challenges. The regulatory mechanism and regulations in the traditional financial system may be lagging behind these new industries, such as Internet finance, and it is difficult to quickly respond to market changes, which may lead to a series of systemic financial risks. P2P online lending platform, as a typical model of Internet finance, was once very popular. However, a large number of problem cases existing in P2P network loan platforms have also attracted the attention of the society to Internet financial risks. Unlike professional institutions, P2P online lending platforms have problems such as capital security, opaque information disclosure, and illegal operations, which have affected the credibility of financial consumers for this new financial model to some extent, which also highlights the weak position of financial consumers in Internet finance. Therefore, in-depth research on the protection of financial consumers’ rights and interests in Internet finance, especially taking P2P network loan platform as an example, and combining with the development and supervision of foreign P2P network loan platform, is of great significance for promoting the sustainable and healthy development of Internet finance and safeguarding the legitimate rights and interests of financial consumers. This research will focus on analyzing the problems in the current Internet financial environment, discussing the corresponding legal issues and solutions, with a view to providing valuable references and suggestions for the development of Internet finance.