發(fā)布時(shí)間：2018-01-16 11:23

  本文關(guān)鍵詞：P2P網(wǎng)絡(luò)借貸平臺(tái)退出法律問題研究　出處：《北方工業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： P2P網(wǎng)絡(luò)借貸平臺(tái) 退出制度 清算 破產(chǎn)

【摘要】：互聯(lián)網(wǎng)金融普惠的特點(diǎn)使得消費(fèi)群體數(shù)量龐大,而有效的退出制度有助于增加消費(fèi)者對(duì)網(wǎng)絡(luò)借貸行業(yè)的投資信心,也有助于維護(hù)該行業(yè)健康穩(wěn)定的發(fā)展局面。鑒于互聯(lián)網(wǎng)業(yè)務(wù)創(chuàng)新性以及法律滯后性,P2P網(wǎng)絡(luò)借貸平臺(tái)在退出市場時(shí)產(chǎn)生諸多法律問題,由于目前還沒有P2P網(wǎng)絡(luò)借貸平臺(tái)專門的退出制度,無法針對(duì)P2P網(wǎng)絡(luò)借貸平臺(tái)在退出過程中所面臨的問題給出有效的法律解決方案,平臺(tái)在出現(xiàn)退出市場情況時(shí)只能依據(jù)現(xiàn)有的《公司法》、《企業(yè)破產(chǎn)法》法律規(guī)定來處理其出現(xiàn)爭議時(shí)的法律適用問題。因此,既需要結(jié)合現(xiàn)有法律規(guī)定揭示立法的不足,也需要結(jié)合新思路提出解決問題的方法。本文以P2P網(wǎng)絡(luò)借貸平臺(tái)為切入點(diǎn),從相關(guān)法律問題的法理分析出發(fā),結(jié)合我國相關(guān)法律環(huán)境,針對(duì)P2P網(wǎng)絡(luò)借貸平臺(tái)的法律問題進(jìn)行分析,并提出個(gè)人的構(gòu)想及建議。本文創(chuàng)新之處在于結(jié)合P2P網(wǎng)絡(luò)借貸中介信息服務(wù)特殊性,從金融消費(fèi)者權(quán)益保護(hù)角度出發(fā)對(duì)平臺(tái)上存續(xù)業(yè)務(wù)中尚未到期或已到期的借貸合同如何被接管、客戶金融信息如何處理等諸多退出過程中面臨的配套制度以及相應(yīng)的善后處理問題進(jìn)行分析,另探討平臺(tái)退出標(biāo)準(zhǔn)和退出程序等具體操作方式,對(duì)完善P2P網(wǎng)絡(luò)借貸平臺(tái)退出法律制度提出自己的建議。
[Abstract]:The characteristics of financial inclusion on the Internet make the number of consumer groups large, and an effective exit system helps to increase consumer confidence in the online lending industry. It also helps to maintain a healthy and stable development situation of the industry. In view of the innovation of Internet business and legal lag, P2P network lending platform has many legal problems when it exits the market. At present, there is no special exit system for P2P network lending platform, so it is impossible to give an effective legal solution to the problems faced by P2P network lending platform in the process of withdrawal. The platform can only deal with the application of the law in the event of withdrawal from the market according to the existing Company Law and the legal provisions of the Enterprise bankruptcy Law. Need to combine with the existing laws and regulations to reveal the shortcomings of legislation, but also need to combine with new ideas to solve the problem. This paper based on P2P network lending platform as a starting point, from the legal analysis of relevant legal issues. Combined with the relevant legal environment of our country, this paper analyzes the legal problems of P2P network lending platform. The innovation of this paper is to combine the particularity of P2P network lending intermediary information service. From the perspective of the protection of financial consumers' rights and interests, how to take over the loan contracts that have not expired or expired in the existing business on the platform. How to deal with customer financial information in the process of exit and other supporting systems and the corresponding post-processing problems are analyzed, and the platform exit standards and exit procedures are discussed. To improve the P2P network lending platform exit legal system put forward their own suggestions.
【學(xué)位授予單位】：北方工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.28

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本文編號(hào)：1432837