本文選題：P2P網(wǎng)絡(luò)借貸　切入點(diǎn)：法律風(fēng)險(xiǎn)　出處：《華東政法大學(xué)》2015年碩士論文

【摘要】：P2P網(wǎng)絡(luò)借貸作為一種互聯(lián)網(wǎng)與金融結(jié)合的創(chuàng)新金融模式,打破了傳統(tǒng)金融機(jī)構(gòu)在資源配置過程中受到的地域及空間限制,在一定程度上改善了金融資源的配置,緩解了中小微企業(yè)融資難的問題,成為金融業(yè)有力的補(bǔ)充。我國自2007年引入這一模式以來,立馬引來一陣追隨的熱潮。特別是近幾年來,P2P網(wǎng)絡(luò)借貸平臺(tái)在中國大地上如火如荼的野蠻生長。但是,由于法律制度不健全、征信制度缺失,照搬英美模式的發(fā)展路徑在我國受到了嚴(yán)重的阻礙。很多創(chuàng)業(yè)者為了適應(yīng)我國的大環(huán)境,將P2P網(wǎng)絡(luò)借貸的模式進(jìn)行變異與創(chuàng)新,發(fā)展出具有中國特色的P2P網(wǎng)絡(luò)借貸模式。無論是照搬國外的模式還是變異后的模式,由于外部環(huán)境及P2P網(wǎng)絡(luò)借貸多方主體行為不當(dāng)?shù)纫蛩赜绊?這一新興的商業(yè)模式面臨多重法律風(fēng)險(xiǎn),得不到健康的發(fā)展。為了降低法律風(fēng)險(xiǎn),促使P2P網(wǎng)絡(luò)借貸平臺(tái)走向良性發(fā)展道路,對其進(jìn)行法律風(fēng)險(xiǎn)控制十分有必要。本文在介紹了P2P網(wǎng)絡(luò)借貸在我國的發(fā)展概況、基本模式、法律性質(zhì)的基礎(chǔ)上,研究其存在的法律風(fēng)險(xiǎn),并根據(jù)法律風(fēng)險(xiǎn)產(chǎn)生的原因提出了相應(yīng)的對策。本文分為三個(gè)部分內(nèi)容:第一部分,詳細(xì)闡述了P2P網(wǎng)絡(luò)借貸的基本概況。首先,明確界定了P2P網(wǎng)絡(luò)借貸的基本概念;然后,分析了P2P網(wǎng)絡(luò)借貸發(fā)展的現(xiàn)狀及在我國產(chǎn)生的變異,重點(diǎn)闡述了P2P網(wǎng)絡(luò)借貸為了適應(yīng)中國經(jīng)濟(jì)環(huán)境而產(chǎn)生的變異;繼而,著重分析了在我國產(chǎn)生變異后的P2P網(wǎng)絡(luò)借貸的三種主要模式,分別為純平臺(tái)模式、擔(dān)保賠付模式和債權(quán)轉(zhuǎn)讓模式,并對各自模式的運(yùn)營方式及其本質(zhì)做了簡要介紹。最后,論證了我國P2P網(wǎng)絡(luò)借貸的法律性質(zhì)。第二部分,分別從環(huán)境影響、主體自身狀況、P2P網(wǎng)絡(luò)借貸模式變異三個(gè)方面分析了造成P2P網(wǎng)絡(luò)借貸法律風(fēng)險(xiǎn)的成因。其中環(huán)境因素主要包括法律環(huán)境的影響、社會(huì)環(huán)境影響及網(wǎng)絡(luò)環(huán)境的影響三方面;主體身份因素主要包括借款方身份不明及平臺(tái)定位不清造成的法律風(fēng)險(xiǎn);行為人行為因素主要包括借款人、貸款人、平臺(tái)及擔(dān)保方等幾方主體的作為或者不作為帶來的后果;P2P網(wǎng)絡(luò)借貸模式變異分析了擔(dān)保及債權(quán)轉(zhuǎn)讓兩種方式可能引發(fā)的法律風(fēng)險(xiǎn)。第三部分,結(jié)合第二章法律風(fēng)險(xiǎn)形成原因,提出針對性的風(fēng)險(xiǎn)控制建議。其中針對環(huán)境因素造成的法律風(fēng)險(xiǎn)提出完善P2P網(wǎng)絡(luò)借貸的法律法規(guī)體系、完善我國征信系統(tǒng)和加強(qiáng)借貸雙方隱私權(quán)保護(hù)的建議;針對主體身份因素造成的法律風(fēng)險(xiǎn)提出加強(qiáng)貸前審核、跟蹤貸后管理、明確P2P網(wǎng)貸平臺(tái)的法律性質(zhì)、加強(qiáng)中間資金賬戶的管理等建議;針對行為人行為因素造成的法律風(fēng)險(xiǎn)提出切實(shí)做好反洗錢工作、建立行業(yè)自律組織等建議。針對因P2P網(wǎng)絡(luò)借貸模式變異引發(fā)的法律風(fēng)險(xiǎn),提出設(shè)置差異化的準(zhǔn)入條件和差異化的監(jiān)管政策的風(fēng)控措施。
[Abstract]:P2P network lending, as an innovative financial model combining Internet and finance, breaks the regional and spatial constraints of traditional financial institutions in the process of resource allocation, and improves the allocation of financial resources to a certain extent. It has alleviated the difficulty of financing for small and medium-sized enterprises, and has become a powerful supplement to the financial industry. Since the introduction of this model in 2007, In recent years, especially in recent years, P2P network lending platforms have been in full swing in China. However, due to the lack of a sound legal system, the credit system is missing. The development path of copying the Anglo-American model has been seriously hindered in our country. In order to adapt to the environment of our country, many entrepreneurs have mutated and innovated the P2P network lending model. Develop a P2P network lending model with Chinese characteristics. Whether it is a foreign model or a variant model, due to the external environment and P2P network lending multiple improper behavior and other factors, This new business model faces many legal risks and cannot develop healthily. In order to reduce the legal risk and promote the P2P network lending platform to move toward a healthy development path, It is necessary to control the legal risk of P2P network lending in China. Based on the introduction of the development situation, basic model and legal nature of P2P network lending in China, this paper studies its legal risks. This article is divided into three parts: the first part describes the basic situation of P2P network lending in detail. Firstly, it defines the basic concept of P2P network lending; secondly, it defines the basic concept of P2P network lending. This paper analyzes the current situation of P2P network lending development and its variation in China, and focuses on the variation of P2P network lending in order to adapt to China's economic environment. This paper analyzes three main modes of P2P network lending after variation in our country, which are pure platform mode, guarantee payment mode and creditor's right transfer mode, and briefly introduces the operation mode and essence of their respective modes. Finally, the paper analyzes the three main modes of P2P network lending in China, which are pure platform mode, guarantee payment mode and creditor's rights transfer mode. This paper demonstrates the legal nature of P2P network lending in China. The second part, from the environmental impact, This paper analyzes the causes of the legal risk of P2P network lending from three aspects: the influence of the legal environment, the social environment and the network environment. The subjective identity factors mainly include the legal risk caused by the identity of the borrower and the unclear positioning of the platform, and the behavioral factors of the perpetrator mainly include the borrower and the lender. The consequences of the actions or omissions of several parties such as the platform and the guarantors analyze the legal risks caused by the two ways of guarantee and creditor's rights transfer. The third part, combined with the second chapter, analyzes the reasons for the formation of legal risks. The author puts forward some suggestions for risk control, including perfecting the legal system of P2P network lending, perfecting our credit system and strengthening the protection of privacy rights of both borrowers and borrowers. Aiming at the legal risk caused by the principal identity factors, the paper puts forward some suggestions such as strengthening the pre-loan audit, tracking the post-loan management, clarifying the legal nature of the P2P network loan platform, and strengthening the management of the intermediate fund account. Aiming at the legal risk caused by the behavior factors of the doer, the author puts forward some suggestions, such as doing well the anti-money laundering work, establishing the self-discipline organization of the industry, and aiming at the legal risk caused by the variation of the P2P network borrowing mode. This paper puts forward the risk control measures for setting the access conditions of differentiation and differential supervision policy.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28

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本文編號(hào)：1686461