本文選題：P2P網(wǎng)絡(luò)借貸　切入點(diǎn)：合同　出處：《上海師范大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：P2P網(wǎng)絡(luò)借貸的出現(xiàn)和發(fā)展很好的彌補(bǔ)了市場經(jīng)濟(jì)下資金利用率不充足的問題,從表面上看,它是互聯(lián)網(wǎng)金融的一種,與第三方支付、網(wǎng)絡(luò)眾籌等構(gòu)成新型的融資方式,但從本質(zhì)上看,P2P網(wǎng)絡(luò)借貸其實(shí)也是民間借貸的另一種表現(xiàn)形式,只不過借助了網(wǎng)絡(luò)新科技的“外衣”而已。P2P網(wǎng)絡(luò)借貸社會意義在于,將社會上廣大民眾閑散資金整合起來,從而借給有需要的人,而借款人也可以因此收取一定利息。這種借助網(wǎng)絡(luò)新科技的新型理財(cái)方式可以更好地加速社會資金流動,促進(jìn)社會經(jīng)濟(jì)發(fā)展,同時(shí)對于個人來說,借貸雙方都可以實(shí)現(xiàn)互利雙贏。本文注重從合同的視角論述P2P網(wǎng)絡(luò)借貸平臺中存在的幾個問題,同時(shí)對近些年有關(guān)網(wǎng)貸的熱點(diǎn)問題也提出了自己的看法,并結(jié)合國外相關(guān)經(jīng)驗(yàn)提出了相應(yīng)的解決措施。具體來看,全文共分為四個部分:第一部分,概述P2P網(wǎng)絡(luò)借貸的基本情況。首先是對P2P網(wǎng)貸的基本概念進(jìn)行闡釋,在明確概念之后對其成因進(jìn)行分析,然后是歸納P2P平臺在我國發(fā)展的現(xiàn)狀,為下文分開論述進(jìn)行鋪墊。第二部分,對國外P2P網(wǎng)貸發(fā)展情況進(jìn)行比較,重點(diǎn)是對發(fā)展較早的英國和美國進(jìn)行比較研究,重點(diǎn)是從監(jiān)管制度和監(jiān)管內(nèi)容兩個方面進(jìn)行論述,通過分析指出其發(fā)展的優(yōu)點(diǎn)和不足,為我國對處理相關(guān)問題進(jìn)行參考并借鑒有益經(jīng)驗(yàn)。第三部分,對我國P2P網(wǎng)貸現(xiàn)狀存在的基本問題進(jìn)行深入研究,主要是從合同法的視角對P2P網(wǎng)貸平臺中存在的法律問題進(jìn)行探究,同時(shí)也指出近些年P(guān)2P網(wǎng)貸發(fā)展的其他突出問題。第四部分,針對前文所提到的具體問題,結(jié)合國外的相關(guān)處理經(jīng)驗(yàn),先從規(guī)制的緣由說起,再具體提出完善的措施。
[Abstract]:The emergence and development of P2P network lending make up for the insufficient utilization of funds under the market economy. On the surface, it is a kind of Internet finance, which forms a new financing method with third-party payment and network crowdfunding. But in essence, P2P network lending is actually another form of private lending. It is only because of the "cloak" of the new network technology. The social significance of P2P network lending lies in the integration of idle funds among the general public in society. Thus lending money to those in need, and the borrower can also charge a certain amount of interest on it. This new financial management method with the help of new technology on the Internet can better speed up the social capital flow, promote social and economic development, and at the same time, for individuals, Both borrowers and borrowers can achieve mutual benefit and win-win situation. This paper discusses several problems existing in P2P network lending platform from the perspective of contract, and also puts forward its own views on the hot issues related to network lending in recent years. The paper is divided into four parts: the first part summarizes the basic situation of P2P network lending. Firstly, it explains the basic concept of P2P network loan. After defining the concept, it analyzes the causes of its formation, and then sums up the current situation of P2P platform development in China, paving the way for the following discussion separately. The second part, compares the development of foreign P2P network loan. The emphasis is on the comparative study of the United Kingdom and the United States, which developed earlier, with the emphasis on discussing the regulatory system and the content of the regulation, and pointing out the advantages and disadvantages of its development through analysis. For our country to deal with related issues and draw on useful experience. Part three, the basic problems of the status quo of P2P network lending in China are studied deeply. It is mainly from the angle of contract law to probe into the legal problems existing in P2P network loan platform, and at the same time, it also points out other outstanding problems in the development of P2P network loan in recent years. Part 4th, aiming at the specific problems mentioned above, Combined with the relevant experience of foreign countries, starting from the reasons of regulation, and then put forward specific measures to improve.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D922.28

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本文編號：1604241