本文選題：校園借貸　切入點(diǎn)：法律風(fēng)險　出處：《河北經(jīng)貿(mào)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：2015年在“互聯(lián)網(wǎng)+”時代的大背景下,互聯(lián)網(wǎng)金融首次被納入國家規(guī)劃建議。校園借貸作為互聯(lián)網(wǎng)金融的重要組成部分,在國家“普惠金融”的政策背景下呈現(xiàn)爆發(fā)式的增長,一系列專門針對大學(xué)生“量身定制”的信用貸款產(chǎn)品紛紛涌入各大高校。校園借貸不同于傳統(tǒng)金融行業(yè),具有方便快捷等特點(diǎn),解決了學(xué)生融資難、融資貴的問題。然而,我國沒有完善的征信體制,法律法規(guī)不健全,各部門之間缺乏有效合作機(jī)制,導(dǎo)致校園借貸畸形發(fā)展,引發(fā)了各種各樣的社會問題。平臺集體跑路現(xiàn)象時有發(fā)生,在校大學(xué)生無力償還網(wǎng)絡(luò)借貸欠款跳樓身亡,某些平臺對不能按期還款的學(xué)生暴力催債甚至發(fā)展出一條灰色的產(chǎn)業(yè)鏈,有的大學(xué)生甚至莫名其妙被貸款等等事件數(shù)不勝數(shù),一時間將備受資本青睞,廣為社會關(guān)注與熱議的校園借貸推上輿論的風(fēng)口浪尖。本文主要采用文獻(xiàn)研究法與比較分析法進(jìn)行研究,在了解校園借貸的內(nèi)涵、特點(diǎn)、發(fā)展背景的基礎(chǔ)上,對其存在的不同主體的法律風(fēng)險進(jìn)行研究,并借鑒國外校園借貸風(fēng)險應(yīng)對模式的經(jīng)驗,在上述理論的支持下有針對性的制定校園借貸法律風(fēng)險的防范措施,為我國的校園借貸營造一個良好的大環(huán)境。本文主要是從五個方面對校園借貸存在的法律風(fēng)險進(jìn)行具體研究:第一部分是引言。由三小節(jié)組成,第一小節(jié)敘述了本文的選題來源和研究目的意義,第二小節(jié)講述了關(guān)于本課題目前國內(nèi)外的研究現(xiàn)狀,第三小節(jié)是本文所運(yùn)用的研究方法和創(chuàng)新點(diǎn)。第二部分對校園借貸作了概述性介紹。首先分析闡述校園借貸的內(nèi)涵,指出目前校園借貸尚未有權(quán)威定義,與傳統(tǒng)的校園借貸有本質(zhì)的區(qū)別,具有高收益與高風(fēng)險并存的特點(diǎn)。其次,敘述了校園借貸近幾年在我國各大高校成倍增長的原因。再次,介紹了校園借貸在我國的發(fā)展現(xiàn)狀及異化。最后,校園借貸作為新興行業(yè),由于立法缺失、平臺自身缺陷,監(jiān)管不到位等原因?qū)е滦@借貸漏洞百出,有必要從多方位對其進(jìn)行規(guī)制。第三部分分析了我國校園借貸存在的法律風(fēng)險。筆者從立法不完善、借款人、放貸人和平臺自身等方面入手分析了我國校園借貸存在的法律風(fēng)險。首先針對平臺自身風(fēng)險方面,筆者主要介紹了平臺因行業(yè)標(biāo)準(zhǔn)缺失、風(fēng)險控制機(jī)制不完善、風(fēng)險評價機(jī)制不健全而引起的風(fēng)險。借款人方面經(jīng)常面臨高利貸陷阱、暴力催款的風(fēng)險。隨后又介紹了因借款人的信用風(fēng)險導(dǎo)致放貸人資金難以收回,法律維權(quán)困難的困境,除此之外,還分析了出借人利用平臺從事洗錢活動的風(fēng)險。第四部分闡述了國外的風(fēng)險應(yīng)對模式及啟示。針對第三部分提出的法律風(fēng)險,第四部分以英美發(fā)達(dá)國家為例分析了國外校園借貸法律風(fēng)險的應(yīng)對模式,對我國有一定的借鑒意義。第五部分是在第四部分的基礎(chǔ)上有針對性的提出切實可行的建議,是本論文的核心。首先在立法層面提出明確合法的校園借貸與相關(guān)刑事犯罪行為的界限和加大對借貸雙方信息安全的立法保護(hù)以及明確校園借貸平臺法律地位的建議;其次在防范平臺自身法律風(fēng)險方面,提出建立統(tǒng)一的行業(yè)標(biāo)準(zhǔn),完善風(fēng)險控制體系,健全風(fēng)險評價機(jī)制的措施;然后在防范借款人法律風(fēng)險方面,提出加強(qiáng)教育管理,建立多種維權(quán)路徑,建立客戶身份識別制度的措施;最后在防范放貸人法律風(fēng)險方面,提出建立借款保險制度,加強(qiáng)借貸交易監(jiān)控的措施。
[Abstract]:In 2015, in the background of "Internet plus" era, the Internet financial advice was first included in the national planning. Campus lending is an important part of Internet banking, showing explosive growth in the background of national policy "Inclusive Finance", a series of specialized university students "tailored" credit products have poured into the university campus. Lending is different from the traditional financial industry, has the characteristics of convenience, solves the financing difficulties, financing expensive problem. However, our country does not have the perfect credit system, laws and regulations are not perfect, the lack of effective cooperation mechanism between the various departments, leading to the campus borrowing abnormal development, triggered a variety of social problems. Platform for collective run away phenomena have occurred, students unable to repay the arrears network lending platform for some jumped to his death, fails to repay the debt of the student violence Even developed a gray industrial chain, some college students and even be rather baffling loans for a time to event beyond count, much favored capital, wide social concern and hot campus borrowing on public opinion in the teeth of the storm. This article mainly uses the literature research method and comparative analysis method to study the characteristics in understanding the connotation of campus borrowing the foundation of the development background, to study the legal risks of different subjects of its existence, and foreign borrowing risk coping mode campus experience, on the basis of these theory targeted for campus lending legal risk prevention measures, to create a good environment for our campus borrowing. This paper is mainly research from the concrete legal risk there are five aspects of campus borrowing: the first part is the introduction. It consists of three sections. The first section describes the selection The source and the purpose and significance of the study, the second section describes the status of research at home and abroad in this paper. The third section is the research method and innovation of this paper. The second part makes an overview on the campus. Firstly elaborates the connotation of campus borrowing lending, pointed out that the current campus borrowing yet authoritative definition, there are the essential difference with the traditional campus borrowing has the characteristics of high yield and high risk. Secondly, this paper analyzes the reasons of campus lending in recent years in China's colleges and universities increase exponentially. Thirdly, the paper introduces the campus borrowing in the development status and alienation in China. Finally, the campus lending as an emerging industry, because of legislation lack of platform of their own defects, the regulation is not in place as a result of campus borrowing is necessary from the multi-faceted Its loopholes appeared one after another., to regulate it. The third part analyzes the legal existence of campus lending in China Wind Risk. From the legislation is not perfect, borrowers, lenders and the platform itself and other aspects analyzes the legal risks in our country. The first campus lending platform based on their own risk, the author introduces the platform due to lack of industry standards, risk control mechanism, risk evaluation mechanism is not perfect and the risk caused by the face. Usury trap often borrowers, the risk of violence Dunning. Subsequently, the borrower's credit risk of lending money to recover, legal difficulties, in addition, also analyzes the risk of the lender with platform in money laundering activities. The fourth part expounds the risk coping model. According to the law abroad and its enlightenment the third part puts forward the risk, the fourth part of the Anglo American countries as an example to analyze the coping mode of foreign campus lending legal risk, to China will borrow For reference. The fifth part is put forward some feasible suggestions on the basis of the fourth part is the core of this paper. Firstly, clarify the legal boundaries of the campus and related criminal behavior of lending at the legislative level and increase the legislative protection of information security and debit and credit lending platform clear the legal status of the proposed campus secondly; platform itself in the prevention of legal risk, proposed the establishment of a unified industry standard, perfect risk control system, improve the risk assessment mechanism and prevention measures; in the borrower legal risk, put forward to strengthen education management, the establishment of a variety of rights protection, establish the system of customer identification measures; finally, in the prevention of legal risks of lending people and proposed the establishment of loan insurance system, strengthen the credit transaction monitoring measures.

【學(xué)位授予單位】：河北經(jīng)貿(mào)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：1638543