湖北中院裁定玖富系信息中介不用担责 驳回出借人再审申请

Core Viewpoint - The case highlights the legal distinction between P2P platforms as information intermediaries and the direct debtor-creditor relationship, impacting the outcome of lawsuits involving lenders and platforms [1][5]. Group 1: Legal Context - P2P platforms are classified as information intermediaries, meaning they do not have a direct debtor-creditor relationship with lenders, which often leads to lenders losing lawsuits against compliant platforms [1][2]. - A recent case in Hubei province involved a lender, Deng, who appealed a civil judgment against the platform Jiufu Puhui, arguing for a re-examination of the contract dispute [2][3]. Group 2: Court Proceedings - The Hubei Intermediate Court focused on whether the relationship between Jiufu Puhui and Deng was a brokerage service contract or a private lending relationship, and whether Jiufu should bear repayment responsibility [3][4]. - The court found that the agreement between Deng and Jiufu Puhui was a brokerage service contract, confirming that Jiufu was not a borrower or guarantor, thus not liable for repayment [4][5]. Group 3: Implications for Lenders - The court ruled that Jiufu Puhui had no guarantee responsibility and did not need to repay Deng, as the repayment guarantees were provided by third-party institutions, not Jiufu itself [5]. - For lenders awaiting repayments, the ruling suggests that they should focus on the actual borrowers for recovery, as the platform's role is limited to mediation [6].