关键词: 个体网络借贷, 债权转让, 平台担保, 非法集资, 非法经营

Abstract:

Individual network lending has developed rapidly, but the lack of supervision led to the abnormal development of the industry and the rising of criminal risk “Guidance on promoting the healthy development of Internet finance” has made provisions for individual network lending for the first time, which is greatly meaningful to us In individual network lending, credit assignment model and platform guarantee model are in the gray area of crime and non-crime,before the introduction of relevant legislation and judicial interpretation, the criminal law should remain modest, cautious intervention about the two kinds of platform mode

Key words: individual network lending, credit assignment, platform guarantee, illegal fund-raising, unlawful business operation