本文關鍵詞：我國P2P網絡借貸監(jiān)管的法經濟學分析　出處：《貴州財經大學》2017年碩士論文　論文類型：學位論文

  更多相關文章： P2P網絡借貸 法經濟學 監(jiān)管 分析

【摘要】：2016年8月,銀監(jiān)會會同工業(yè)和信息化等四部門發(fā)布了的《網絡借貸信息中介機構業(yè)務活動管理暫行辦法》,建立了網絡借貸行業(yè)監(jiān)管的基本邏輯和體系,具有多方面的創(chuàng)新意義和實踐價值。同時,在互聯(lián)網金融領域,P2P網絡借貸作為代表行業(yè),對其監(jiān)管對互聯(lián)網金融的發(fā)展有著非常重要的示范效應。本文從P2P網絡借貸的概念入手,進而分析其面臨的主要風險,并結合法律經濟學的方法對其監(jiān)管的必要性進行分析,并在借鑒國外監(jiān)管經驗的基礎上,為我國P2P網絡借貸的健康發(fā)展提出了一些舉措。本文的具體內容如下:第一部分介紹了P2P網絡借貸的概念及發(fā)展現(xiàn)狀,對P2P網絡借貸進行一個基本的概括和總結。文中首先明確了P2P網絡借貸的概念及其基本的運作模式,并對其發(fā)展歷程做了一個簡單的介紹。在發(fā)展現(xiàn)狀方面,主要從國內外兩方面展開,對國外方面,主要以英美國家代表性的優(yōu)秀平臺為主,如美國的Lengi ng Club和Prosper及英國的Zopa和Funding Circle,而對于國內的發(fā)展狀況,則主要以平臺運營模式的角度,從類信用卡模式、類擔保債權模式及類資產證券化模式三方面進行總結性介紹。第二部分主要分析了P2P網絡借貸平臺的風險。從P2P網絡借貸的發(fā)展來看,其存在的風險多種多樣,不同的平臺存在的風險也不盡相同。本文則主要從平臺的操作風險、信用風險和資金流動性風險三個方面展開論述。在操作風險方面,論文主要集中關注P2P網絡借貸平臺對交易中間資金運作及管理的風險;在信用風險方面,則主要從P2P網絡借貸平臺及借款人兩個方面展開,論述投資人在交易過程中可能面臨的信用風險;在流動性風險方面,論文主要集中于P2P網絡借貸平臺在運作過程中由于期限錯配、陰陽合同以及全額擔保等問題引發(fā)的風險。第三部分則從法律經濟學的角度對P2P網絡借貸監(jiān)管進行了分析,這部分也是本文的重點。論文首先從供需關系的角度分析了我國P2P網絡借貸的監(jiān)管在正式制度及非正式制度方面的供需不平衡問題,進而運用信息不對稱理論分析了我國P2P網絡借貸的交易各方可能面臨的問題,以及由此引發(fā)道德風險、逆向選擇及羊群行為等問題,最后論文從成本與收益的角度對P2P網絡借貸的監(jiān)管進行分析,分析出實現(xiàn)社會效益最大化的監(jiān)管對策。第四部分則是對我國P2P網絡借貸的監(jiān)管提出了建議。此部分在分析國外發(fā)達國家監(jiān)管制度的基礎上,結果我國的監(jiān)管現(xiàn)狀和不足,對我國P2P網絡借貸監(jiān)管提出了建議。對于國外的監(jiān)管制度,主要包括明確法律地位、完善的征信體系和嚴格的風險監(jiān)管三方面,而筆者在分析了我國P2P網絡借貸行業(yè)的監(jiān)管現(xiàn)狀和不足的基礎上,主要從完善法律監(jiān)管體系、建立監(jiān)管機制及完善互聯(lián)網征信體系等方面來構建我國P2P網絡借貸的監(jiān)管體系。
[Abstract]:In August 2016, CBRC, together with the four departments of industry and information, issued the "interim measures on the Management of Business activities of Network Lending Information intermediary institutions", which established the basic logic and system of the supervision of network lending industry. It has many innovative significance and practical value. At the same time, P2P network lending as the representative industry in the field of Internet finance. The regulation has a very important demonstration effect on the development of Internet finance. This paper starts with the concept of P2P network lending, and then analyzes the main risks it faces. Combined with the method of law and economics, the necessity of supervision is analyzed, and based on the experience of foreign supervision. Some measures are proposed for the healthy development of P2P network lending in China. The specific contents of this paper are as follows: the first part introduces the concept and development of P2P network lending. In this paper, the concept of P2P network lending and its basic operation model are first clarified. And made a simple introduction to its development process. In the development of the current situation, mainly from the domestic and foreign two aspects, abroad, mainly in the United States and the United States and the representative of the excellent platform. For example, the Lengi ng Club and Prosper in the United States and Zopa and Funding Circlein in the United Kingdom have developed in China. Then mainly from the platform operating mode perspective, from the credit card model. The second part mainly analyzes the risk of P2P network lending platform. From the perspective of the development of P2P network lending. There are many kinds of risks, and different platforms have different risks. This paper mainly discusses the operational risk, credit risk and liquidity risk of the platform. This paper mainly focuses on the risk of P2P network lending platform to the operation and management of transaction intermediate funds. In terms of credit risk, mainly from P2P network lending platform and borrower two aspects, discussed investors in the transaction process may face credit risk; In the aspect of liquidity risk, the paper mainly focuses on P2P network lending platform in the process of operation due to maturities mismatch. The third part analyzes the P2P network loan supervision from the angle of law and economics. This part is also the focus of this paper. Firstly, from the point of view of supply and demand relationship, the paper analyzes the imbalance between supply and demand in the formal and informal institutions of P2P network lending regulation in China. Then using the theory of information asymmetry, the paper analyzes the problems that the transaction parties of P2P network lending in our country may face, and causes moral hazard, adverse selection and herd behavior and so on. Finally, the paper analyzes the supervision of P2P network lending from the perspective of cost and income. The 4th part is to put forward some suggestions on the supervision of P2P network lending in China. This part is based on the analysis of the regulatory system of foreign developed countries. Results the present situation and deficiency of our country's supervision and control, put forward the suggestion to our country's P2P network loan regulation. For the foreign supervision system, it mainly includes the clear legal status. Perfect credit system and strict risk supervision, and the author analyzes the current situation and deficiencies of P2P network lending industry supervision, mainly from improving the legal regulatory system. In order to establish the supervision system of P2P network lending in China, we should establish the supervision mechanism and perfect the Internet credit system.
【學位授予單位】：貴州財經大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.4;D922.282

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