本文選題：P2P網(wǎng)絡(luò)借貸　切入點(diǎn)：P2P網(wǎng)絡(luò)借貸平臺　出處：《西南交通大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：P2P網(wǎng)絡(luò)借貸平臺指為資金出借人和借款人提供交易信息及相關(guān)輔助服務(wù)的網(wǎng)絡(luò)信息中介機(jī)構(gòu)。平臺通過提供交互式服務(wù)和借貸輔助服務(wù),使得相互陌生但有資金需求的兩方直接進(jìn)行信貸交易。作為將傳統(tǒng)金融模式與互聯(lián)網(wǎng)網(wǎng)絡(luò)技術(shù)二者相交融的新興業(yè)態(tài),P2P網(wǎng)絡(luò)借貸平臺的興起為小微企業(yè)及個(gè)人融資難的困境帶來了出路,不僅滿足小額貸款及個(gè)人投資理財(cái)?shù)氖袌鲂枨?也對實(shí)現(xiàn)我國普惠金融有著積極的意義。但網(wǎng)絡(luò)借貸平臺的興起也給市場帶來了不可小覷的風(fēng)險(xiǎn),如涉嫌非法集資和洗錢等法律風(fēng)險(xiǎn),由于缺少健全的信用評級制度及平臺運(yùn)營中所產(chǎn)生的信用風(fēng)險(xiǎn)等。為了進(jìn)一步實(shí)現(xiàn)普惠金融,使網(wǎng)絡(luò)借貸平臺能夠繼續(xù)發(fā)揮積極作用,平臺的法律監(jiān)管成為亟待解決的問題。本文從中國風(fēng)險(xiǎn)頻發(fā)的網(wǎng)絡(luò)借貸行業(yè)現(xiàn)實(shí)情況出發(fā),以網(wǎng)絡(luò)借貸平臺為研究對象,通過對網(wǎng)絡(luò)借貸相關(guān)概念進(jìn)行界定,隨后在對我國市場上存在的P2P網(wǎng)絡(luò)借貸平臺類型進(jìn)行歸類總結(jié),并對平臺的參與主體及其與平臺之主體間的法律關(guān)系進(jìn)行詳細(xì)分析,進(jìn)而總結(jié)和分析當(dāng)中平臺中存在風(fēng)險(xiǎn)和問題。通過對英美兩國家的網(wǎng)絡(luò)借貸法律監(jiān)管經(jīng)驗(yàn)進(jìn)行論述,并在此基礎(chǔ)上針對我國目前P2P網(wǎng)絡(luò)借貸平臺的法律監(jiān)管的監(jiān)管思路、監(jiān)管漏洞進(jìn)行論述和完善。文章具體內(nèi)容如下:首先網(wǎng)絡(luò)借貸指個(gè)體與個(gè)體之間通過網(wǎng)絡(luò)實(shí)現(xiàn)資金的融通,具有受眾廣、交易方便快捷、高收益和高風(fēng)險(xiǎn)并存的特點(diǎn)。而P2P網(wǎng)絡(luò)借貸平臺是指提供資金融通的信息中介機(jī)構(gòu)。網(wǎng)絡(luò)借貸平臺在解決小微企業(yè)和個(gè)人貸款困難的同時(shí),加快了民間資本的流通速度,對于實(shí)現(xiàn)普惠金融促進(jìn)社會(huì)經(jīng)濟(jì)發(fā)展有重要意義。通過對"過度互聯(lián)"理論,"正反饋"理論,現(xiàn)代契約正義理論,國家干預(yù)說進(jìn)行闡述,以期為平臺的監(jiān)管提供更有利的理論支撐。其次,我國P2P網(wǎng)絡(luò)借貸平臺的發(fā)展可分為以借款為主的發(fā)展初始階段,以地域性借款為主的高速發(fā)展階段,以高利息為主的風(fēng)險(xiǎn)頻發(fā)階段和以風(fēng)險(xiǎn)整治為主的政策調(diào)整階段。我國當(dāng)前正處于第四個(gè)階段,主要以規(guī)范管理,防范風(fēng)險(xiǎn)為主。存在立法不健全,相關(guān)行業(yè)規(guī)范不夠全面,征信系統(tǒng)不完善和缺乏交易主體權(quán)益保護(hù)機(jī)制等問題。再次,英美兩國家在P2P網(wǎng)絡(luò)借貸平臺監(jiān)管模式上都有設(shè)置嚴(yán)格的準(zhǔn)入標(biāo)準(zhǔn),并嚴(yán)格要求平臺對信息進(jìn)行披露,擁有健全的個(gè)人征信體系,相關(guān)立法較為完善,為我國的平臺法律監(jiān)管提供了良好的監(jiān)管經(jīng)驗(yàn)給予借鑒。針對國內(nèi)的當(dāng)前行業(yè)發(fā)展情況,對平臺的監(jiān)管思路應(yīng)采用實(shí)質(zhì)監(jiān)管,分別從監(jiān)管的主體,監(jiān)管的方式,以及監(jiān)管的具體內(nèi)容為出發(fā)點(diǎn)對行業(yè)進(jìn)行監(jiān)管。在完善監(jiān)管體系上應(yīng)從以下方面入手:健全市場準(zhǔn)入制度、完善信用評級制度體系、制定專門針對網(wǎng)絡(luò)借貸平臺法律法規(guī)和行業(yè)規(guī)范以及構(gòu)建行業(yè)的法律監(jiān)管體系、強(qiáng)化市場參與主體的權(quán)益保護(hù)。
[Abstract]:P2P network lending platform refers to the online information intermediary that provides transaction information and related ancillary services to the fund lenders and borrowers. The platform provides interactive services and loan support services. The rise of P2P network lending platform, which blends the traditional financial model with the Internet network technology, has become the financial integration of small and micro enterprises and individuals. The difficult situation of capital brings a way out. Not only to meet the market demand for small loans and personal investment and finance, but also to achieve inclusive finance in China. However, the rise of network lending platform has brought risks to the market that can not be underestimated. For example, legal risks such as illegal fund-raising and money laundering, due to the lack of a sound credit rating system and the credit risks arising from the operation of the platform, etc., in order to further realize inclusive finance and enable the network lending platform to continue to play a positive role, The legal supervision of the platform has become an urgent problem to be solved. This paper, based on the current situation of the online lending industry with frequent risks in China, takes the online lending platform as the research object and defines the related concepts of network lending. Then it classifies and summarizes the types of P2P network lending platform in Chinese market, and analyzes the legal relationship between the platform and the main body of the platform in detail. Then summarize and analyze the risks and problems in the platform. Through the two countries of the United States and the United States network lending legal supervision experience to discuss, and on this basis for our current P2P network lending platform of legal supervision ideas. The specific contents of the article are as follows: first, network lending refers to individuals and individuals through the network to achieve the financing of the network, with a wide audience, convenient and fast transactions, Peer-to-peer network lending platform is an information intermediary that provides financing. The network loan platform not only solves the difficulties of small and micro enterprises and individuals, but also speeds up the circulation of private capital. It is of great significance to realize inclusive finance to promote social and economic development. This paper expounds the theory of "excessive interconnection", "positive feedback" theory, modern contractual justice theory, and state intervention theory. In order to provide more favorable theoretical support for the supervision of the platform. Secondly, the development of P2P network lending platform in China can be divided into the initial stage of borrowing as the main development, the regional borrowing as the main stage of high-speed development. Our country is currently in the fourth stage, which is mainly to standardize management and guard against risks. There are imperfect legislation, and the relevant industry norms are not comprehensive enough. Third, the United States and the United States have set strict admission standards on the P2P network lending platform supervision model, and strictly require the platform to disclose information. Have a sound personal credit system, the relevant legislation is relatively perfect, for our platform of legal supervision to provide good regulatory experience to give reference. In view of the current situation of domestic industry development, the platform should adopt substantive supervision ideas. Starting from the main body of supervision, the way of supervision and the concrete content of supervision, we should start with the following aspects in perfecting the supervision system: perfecting the market access system, perfecting the credit rating system, To establish laws, regulations and industry regulations for network lending platform, and to build a legal and regulatory system to strengthen the protection of the rights and interests of the participants in the market.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D922.282

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本文編號：1595288