本文選題：P2P網(wǎng)絡(luò)借貸 + 風險��； 參考：《浙江工商大學》2017年碩士論文

【摘要】：根據(jù)學者對P2P網(wǎng)絡(luò)借貸不同角度的定義,可將其定義為網(wǎng)貸信息中介機構(gòu)通過網(wǎng)絡(luò)技術(shù)為資金的需求方與資金的富足方實現(xiàn)資金借貸的融通服務(wù)。由此,看出P2P網(wǎng)絡(luò)借貸是以金融脫媒為本質(zhì),以網(wǎng)貸中介機構(gòu)為紐帶,以互聯(lián)網(wǎng)技術(shù)為基礎(chǔ),以普惠為動因,是一種民間借貸的創(chuàng)新。由于我國民間金融法律體系缺乏、民間資金供求關(guān)系不平衡并且我國民間借貸的發(fā)展歷程較長,P2P網(wǎng)貸在此得到了快速發(fā)展,但在P2P網(wǎng)貸行業(yè)快速發(fā)展的同時其風險也逐漸暴露。P2P網(wǎng)貸平臺的運行模式在不斷創(chuàng)新的同時運行風險也逐漸增加,再加上我國P2P網(wǎng)貸監(jiān)管的滯后導致大量的非法P2P網(wǎng)貸模式出現(xiàn),主要包括資金池模式和平臺自融模式、平臺詐騙模式。在此背景下筆者從P2P網(wǎng)絡(luò)借貸風險分析入手,由于P2P網(wǎng)貸行為包含網(wǎng)絡(luò)借貸行為和網(wǎng)貸中介機構(gòu)運行行為,因此將網(wǎng)貸風險分為網(wǎng)絡(luò)借貸行為風險和不同運行模式的網(wǎng)貸平臺運行風險。前者主要風險為借款人信用風險、網(wǎng)貸信息安全風險、借貸雙方法律風險等,后者則根據(jù)網(wǎng)貸平臺不同運行模式而存在不同網(wǎng)貸風險。由此應(yīng)當通過法律對我國網(wǎng)貸風險進行針對性控制,但通過對我國目前法律現(xiàn)狀分析發(fā)現(xiàn)在網(wǎng)貸風險法律控制方面還尚未完善,主要存在的問題是:基本立法對P2P網(wǎng)貸規(guī)制較為滯后,存在民事法律規(guī)制不嚴、民間金融監(jiān)管法律體系不健全并且各部門法律之間存在規(guī)定相互沖突的問題;在專項立法中存在立法形式不規(guī)范,立法層級較低并且規(guī)制內(nèi)容尚不全面且適用困難的問題,并且在地方專項法律內(nèi)容中存在寬嚴程度不同的問題;在P2P網(wǎng)貸相關(guān)配套制度中缺乏與其相適用的征信制度、第三方參與制度的相關(guān)內(nèi)容,并且也缺乏與P2P網(wǎng)貸專項法律適用相配套的網(wǎng)貸行業(yè)標準和網(wǎng)貸平臺內(nèi)部風險控制的規(guī)章制度。因此,筆者針對上述問題提出對P2P網(wǎng)貸立法的相關(guān)建議,在基本立法中對民事法律、監(jiān)管法律中相關(guān)滯后性的有關(guān)規(guī)定進行改進,并對不同部門法中存在的沖突問題進行統(tǒng)一規(guī)定。在專項立法中適當提高中央立法的層級,規(guī)范地方立法程序,并對規(guī)制內(nèi)容進行補充和完善。在P2P網(wǎng)貸相關(guān)配套制度中,制定與P2P網(wǎng)貸相關(guān)的征信制度、第三方參與機構(gòu)的從業(yè)規(guī)范,并加強網(wǎng)貸信息中介機構(gòu)的行業(yè)標準和平臺內(nèi)部風險控制規(guī)章制度的制定,以達到P2P網(wǎng)貸風險法律控制的目的。
[Abstract]:According to the scholars' definition of P2P network lending, it can be defined as the network loan information intermediary to realize the financing service for the demand side of capital and the rich side of capital through the network technology. From this, we can see that P2P network lending is based on financial disintermediation, internet lending intermediary, Internet technology as the basis, and universal benefit as the motivation. It is an innovation of folk lending. Due to the lack of private financial legal system, the imbalance between private capital supply and demand and the long history of the development of private lending in China, P2P network loans have developed rapidly. However, with the rapid development of P2P network loan industry, the risk of P2P network loan platform is gradually exposed. The operation mode of P2P network loan platform is constantly innovating and the running risk is also increasing gradually. In addition, the lag of P2P network loan supervision in our country leads to a large number of illegal P2P network loan patterns, including fund pool mode and platform self-financing mode, platform fraud mode. In this context, the author starts with the risk analysis of P2P network lending, because P2P network lending behavior includes network lending behavior and network lending intermediary operation behavior. Therefore, the network loan risk is divided into the network lending behavior risk and the network loan platform running risk of different operation mode. The former is the borrower credit risk, the network loan information security risk, the loan both sides legal risk and so on, the latter has the different net loan risk according to the net loan platform different operation pattern. Therefore, we should control the risk of net loan through the law, but through the analysis of the present legal situation of our country, we find that the legal control of the risk of network loan is still not perfect. The main problems are: the basic legislation of P2P network loan regulation lags behind, the existence of civil legal regulation is not strict, the civil financial regulatory legal system is not perfect and there are conflicts between the laws of various departments; In the special legislation, there are some problems such as the form of legislation is not standardized, the level of legislation is low, the content of regulation is not comprehensive and it is difficult to apply, and there are some problems in the content of local special laws. In the P2P network loan related supporting system, there is a lack of appropriate credit system, third party participation system related content, And there is also a lack of P2P network lending specific law applicable to the network lending industry standards and network lending platform internal risk control rules and regulations. Therefore, in view of the above problems, the author put forward the relevant suggestions on P2P network loan legislation, in the basic legislation of civil law, regulatory law in the relevant lag provisions to improve, And the conflict problem in the different branch law carries on the unified stipulation. In the special legislation, we should raise the level of the central legislation, standardize the local legislative procedures, and complement and perfect the contents of the regulations. In the supporting system of P2P network loan, the credit investigation system related to P2P network loan, the employment standard of the third party participating organization, and the industry standard of the network loan information intermediary organization and the risk control rules and regulations within the platform should be established. In order to achieve the P2P network loan risk legal control purposes.
【學位授予單位】：浙江工商大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.28

【相似文獻】

相關(guān)期刊論文 前3條

1 王融;李長恩;;搜索引擎作為信息中介的侵權(quán)責任研究[J];北京郵電大學學報(社會科學版);2011年01期

2 郭志鵬;;信息論與馬克思主義認識論的關(guān)系[J];馬克思主義研究;1987年04期

3 ;[J];;年期

相關(guān)重要報紙文章 前10條

1 蔡洪瑋;互聯(lián)網(wǎng)造就新一代信息中介商[N];經(jīng)濟日報;2004年

2 李鳳采;變事后處罰為事前規(guī)范[N];中國工商報;2009年

3 本報記者　 謝利江;大批勞力輸往外地 各行業(yè)勞務(wù)工資上漲[N];張掖日報;2006年

4 記者 馬元月 岳品瑜;銀監(jiān)會：P2P平臺只能做信息中介[N];北京商報;2014年

5 本報記者 李韶文;回歸信息中介 破解P2P跑路困局[N];國際商報;2014年

6 封國強 本報記者 李志民;抓好服務(wù)也是一項工程[N];遼源日報;2006年

7 邊宇 陶煒 康立華;自治區(qū)公安廳將每月向全區(qū)通報警情[N];內(nèi)蒙古日報(漢);2006年

8 慧聰商務(wù)網(wǎng) 供稿;關(guān)于B to B的思考[N];通信產(chǎn)業(yè)報;2000年

9 李金旗 王鳳起;建立保持共產(chǎn)黨員先進性長效機制[N];菏澤日報;2005年

10 河南省周口市財政局長 趙天冉;做強勞務(wù)經(jīng)濟 服務(wù)周口經(jīng)濟發(fā)展[N];農(nóng)民日報;2006年

相關(guān)碩士學位論文 前5條

1 于秀春;信息中介企業(yè)的商業(yè)潛力分析[D];寧夏大學;2016年

2 王睿新;論我國P2P網(wǎng)貸風險控制的立法完善[D];浙江工商大學;2017年

3 黃婷;電子商務(wù)環(huán)境下勞務(wù)信息中介平臺的構(gòu)建[D];福州大學;2011年

4 耿笑;信息中介組織收費機制研究：信息不對稱與單向收費[D];華中科技大學;2012年

5 史薇薇;基于UTAUT模型對“使用者對信息中介的接受”的實證研究[D];中國人民大學;2008年

，

本文編號：1985457