【摘要】：P2P網(wǎng)絡(luò)借貸平臺是金融與互聯(lián)網(wǎng)技術(shù)相結(jié)合的產(chǎn)物,它的基礎(chǔ)運營涉及三方當(dāng)事人:出借人、網(wǎng)貸平臺以及借款人。整個交易流程為,出借人將資金置于網(wǎng)貸平臺之上,再由網(wǎng)貸平臺將資金轉(zhuǎn)給借款人,借款人按照借貸交易雙方約定的還款方式及期限將本金附加利息轉(zhuǎn)回給平臺,再由平臺根據(jù)規(guī)則扣除管理費用后,將資金轉(zhuǎn)還給出借人。對網(wǎng)貸平臺的理解不應(yīng)僅僅停留在民間借貸的互聯(lián)網(wǎng)化,其深刻的意義應(yīng)該是采用新興的技術(shù)手段和去中心化的指導(dǎo)思想來扁平化金融中介,從而改變風(fēng)險傳播模式,使資金的使用更為高效便捷。不參與單筆借貸交易的經(jīng)營進(jìn)而改變間接融資下的風(fēng)險傳播模式,是網(wǎng)貸平臺風(fēng)險傳播的本質(zhì)特點。然而,這并不意味著平臺不會發(fā)生危險或者完全擺脫了風(fēng)險管理。相反,現(xiàn)行的網(wǎng)貸平臺“跑路”狀況頻發(fā),在相關(guān)監(jiān)管規(guī)則尚不明確的情況下,各個平臺的風(fēng)險管理水平也有很大差別。本文以現(xiàn)行的典型網(wǎng)貸平臺為研究對象,對這種金融創(chuàng)新形式的法律風(fēng)險進(jìn)行一些揭示,并提出相應(yīng)防范建議。第一部分為P2P網(wǎng)絡(luò)借貸平臺的基本理論。該部分首先闡述了網(wǎng)貸平臺的概念和特征,對平臺的應(yīng)然狀態(tài)進(jìn)行了描述。其次,對網(wǎng)貸平臺的發(fā)展概況進(jìn)行了簡要介紹,對平臺的交易模式進(jìn)行了總結(jié),對模式中的法律關(guān)系進(jìn)行了梳理,從而展現(xiàn)了網(wǎng)貸平臺的發(fā)展現(xiàn)狀。第二部分對P2P網(wǎng)絡(luò)借貸平臺的主要風(fēng)險展開揭示。在厘清網(wǎng)貸平臺主要法律關(guān)系的基礎(chǔ)之上,該部分就平臺各個交易模式下可能產(chǎn)生的主要法律風(fēng)險進(jìn)行了詳細(xì)揭示。第三部分針對P2P網(wǎng)絡(luò)借貸平臺的風(fēng)險提出防范對策。針對第二部分中對網(wǎng)貸平臺所揭示的諸多風(fēng)險,該部分建議通過明確平臺的信息中介地位、設(shè)置平臺的準(zhǔn)入門檻、監(jiān)管平臺的交易流程,達(dá)到提高網(wǎng)貸平臺風(fēng)險管理水平的效果。同時,還從宏觀上建議完善數(shù)字化征信體系,以使上述建議落到實處。
[Abstract]:P2P network lending platform is the combination of finance and Internet technology. Its basic operation involves three parties: lender, network loan platform and borrower. The whole transaction process is that the lender puts the funds on the net loan platform, and then the network loan platform transfers the funds to the borrower, and the borrower transfers the principal and interest to the platform in accordance with the repayment method and time limit agreed by the two parties to the loan and transaction. After deducting the management expenses according to the rules, the platform transfers the funds back to the lenders. The understanding of the network loan platform should not only stay on the Internet of folk loan, but also use the new technology means and the guiding ideology of decentralization to flatten the financial intermediary and change the mode of risk communication. Make the use of funds more efficient and convenient. It is the essential characteristic of the risk communication of the net loan platform not to participate in the operation of single loan transaction and to change the mode of risk communication under indirect financing. However, this does not mean that the platform will not be dangerous or completely free from risk management. On the contrary, the current network loan platform "run the road" situation frequently, in the relevant regulatory rules are not clear, the risk management level of each platform is also very different. This paper takes the current typical network loan platform as the research object, carries on some revelation to this kind of financial innovation form legal risk, and puts forward the corresponding prevention suggestion. The first part is the basic theory of P2P network lending platform. In this part, the concept and characteristics of the network loan platform are introduced, and the supposed state of the platform is described. Secondly, the general situation of the development of the network loan platform is briefly introduced, the trading model of the platform is summarized, the legal relationship in the model is combed, and the development status of the network loan platform is revealed. The second part reveals the main risks of P2P network lending platform. On the basis of clarifying the main legal relationship of net loan platform, this part reveals in detail the main legal risks that may arise under each transaction mode of the platform. The third part puts forward countermeasures against the risk of P2P network lending platform. In view of the many risks revealed in the second part of the network loan platform, this part suggests that by clarifying the information intermediary status of the platform, setting the entry threshold of the platform, and supervising the trading process of the platform, To improve the network loan platform risk management level of the effect. At the same time, it is suggested to perfect the digital credit information system from the macro view, so that the above suggestions can be put into practice.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.28

【相似文獻(xiàn)】

相關(guān)期刊論文 前5條

1 人民銀行滄州市中支課題組;張金恒;崔曉衛(wèi);;網(wǎng)絡(luò)借貸監(jiān)管的法律思考[J];河北金融;2014年04期

2 人民銀行滄州市中心支行課題組;張金恒;崔曉衛(wèi);;加強網(wǎng)絡(luò)借貸監(jiān)管的法律思考[J];河北金融;2014年07期

3 向立力;王鑫;;證券借貸交易制度的法律分析、制度構(gòu)建和風(fēng)險防控[J];金融與經(jīng)濟(jì);2011年11期

4 鄭惠蓮;;我國公司借貸立法的檢討與思考[J];江蘇警官學(xué)院學(xué)報;2012年06期

5 ;[J];;年期

相關(guān)重要報紙文章 前10條

1 程強;海外債券借貸業(yè)務(wù)對我國的借鑒和啟示[N];金融時報;2006年

2 姚克銘;債券借貸業(yè)務(wù)的引入及其優(yōu)勢[N];金融時報;2006年

3 國務(wù)院發(fā)展研究中心金融研究所研究員 經(jīng)濟(jì)學(xué)博士 吳慶;完善監(jiān)管 發(fā)揮網(wǎng)絡(luò)借貸“微金融”作用[N];上海證券報;2010年

4 證券時報記者　 羅進(jìn) 清溪;銀行間債市將有望引入債券借貸交易[N];證券時報;2006年

5 房山區(qū)法院 朱樂;網(wǎng)絡(luò)借貸 高風(fēng)險的金融游戲[N];北京日報;2014年

6 本報記者 胡萍;網(wǎng)絡(luò)借貸行業(yè)的擔(dān)保困局[N];金融時報;2014年

7 王宗凱;走在鋼絲上的網(wǎng)絡(luò)借貸[N];國際商報;2014年

8 本報記者 俞家驊;高金價將吸引更多黃金借貸[N];中國黃金報;2006年

9 馮光華 孔燕;銀行間債券市場交易新工具：債券借貸[N];金融時報;2006年

10 本版編輯包香明　高國華　方明 娜琳;關(guān)注：債券借貸“上線”[N];金融時報;2006年

，

本文編號：2407169