Lender: In a loan contract or loan contract, the party who delivers the currency or physical object to the borrower for possession or use, and regularly or irregularly takes back the equivalent currency or physical object or original object of the same kind, quantity and quality according to the agreement.
Loan contract and loan contract are both unilateral contracts. After the subject matter is delivered to the borrower, the lender generally no longer assumes legal obligations, but if the subject matter is defective, the lender has the obligation to inform. Where the lender intentionally conceals, causing the borrower to suffer losses, the lender shall bear civil liability for compensation.
The lender is also obliged to allow the borrower to use the loan and transfer the ownership or use right of the loan. The lender has the right to require the borrower to return the loan or the same kind, quality and quantity of things; In paid loans, there is also the right to claim interest or other remuneration.
Extended data:
Peer-to-peer (P2P) network credit service platform appeared for the first time. This model has been widely recognized and paid attention to because of its mutually beneficial and win-win operation mode, efficient and convenient operation mode and personalized interest rate pricing mechanism, and has been quickly replicated in other countries.
Peer-to-peer microfinance is a business model that gathers very small loans and lends them to people who need funds. Its social value is mainly reflected in three aspects: meeting personal capital demand, developing personal credit system and improving the utilization rate of social idle funds;
1) In China, banks have high requirements for personal credit loans, and individuals face many difficulties in financing from the banking system. P2P microfinance provides a new financing channel for people who need funds.
2)P2P microfinance is mainly based on personal credit evaluation, and its development helps individuals to reflect their own credit value and improve the construction of social personal credit system.
3)P2P microfinance broadens the channels for personal investment, increases the flow of funds, improves the utilization rate of idle funds in society and promotes economic development.
The emergence of P2P peer-to-peer lending platform is not only an innovative business model, but also makes great contributions to narrowing the gap between the rich and the poor, creating jobs, realizing long-term economic development and social harmony.
References:
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