發(fā)布時(shí)間：2019-04-02 12:21

【摘要】：我國(guó)傳統(tǒng)的融資市場(chǎng)主要以銀行機(jī)構(gòu)為主,一方面為了保證資金的安全性,銀行機(jī)構(gòu)對(duì)外借貸一般會(huì)設(shè)置很高的融資標(biāo)準(zhǔn),這些比較高的貸款發(fā)放標(biāo)準(zhǔn)導(dǎo)致的結(jié)果是大型企業(yè)可以不費(fèi)絲毫之力就可以獲得銀行的貸款,但是對(duì)中小企業(yè)和個(gè)人來(lái)說(shuō)由于自身的條件達(dá)不到銀行的放貸標(biāo)準(zhǔn)只能望而卻步;另一方面,銀行需要花費(fèi)大量的時(shí)間、人力、物力、財(cái)力在調(diào)查清楚中小企業(yè)的資金狀況和還款能力之后才決定是否放貸。但大型企業(yè)因?yàn)槠渖鐣?huì)影響大、資金雄厚、經(jīng)營(yíng)規(guī)模等,銀行在放貸時(shí)不需要這么大動(dòng)干戈。銀行嚴(yán)格的放貸標(biāo)準(zhǔn)與中小企業(yè)和個(gè)人對(duì)資金的需求導(dǎo)致了民間借貸的日益繁榮。傳統(tǒng)的民間借貸借助迅猛發(fā)展的互聯(lián)網(wǎng)技術(shù)開(kāi)辟了新的借貸平臺(tái)一網(wǎng)絡(luò)借貸平臺(tái),p2p網(wǎng)絡(luò)借貸由此誕生。我國(guó)的p2p網(wǎng)絡(luò)借貸平臺(tái)屬于舶來(lái)品,在發(fā)展中出現(xiàn)與我國(guó)實(shí)際情況不相符等一系列問(wèn)題:網(wǎng)絡(luò)借貸的立法不完善;p2p網(wǎng)絡(luò)借貸的三方主體的權(quán)利義務(wù)規(guī)定不明確;對(duì)借貸雙方的保護(hù)機(jī)制不健全;準(zhǔn)入與退出機(jī)制不完善;缺乏個(gè)人征信體系和信息披露制度;對(duì)p2p網(wǎng)絡(luò)借貸的監(jiān)管不完善。導(dǎo)致p2p平臺(tái)出現(xiàn)跑路、提現(xiàn)困難、詐騙,在交易中損害貸款人的利益,損害借款人的信息權(quán)益,甚至引發(fā)刑事犯罪等問(wèn)題層出不窮。本文針對(duì)特定的問(wèn)題提出了完善建議,包括專門立法;完善互聯(lián)網(wǎng)方面的法律;明確借貸雙方的權(quán)利義務(wù);制定準(zhǔn)入與退出機(jī)制;加強(qiáng)信息披露和監(jiān)管;建立個(gè)人征信體系。P2p借貸審時(shí)度勢(shì)的利用了互聯(lián)網(wǎng)技術(shù),解決了中小企業(yè)和個(gè)人對(duì)資金的需求,實(shí)現(xiàn)了金融創(chuàng)新。從大處而言,p2p互聯(lián)網(wǎng)借貸在經(jīng)濟(jì)上是實(shí)現(xiàn)普惠金融的主要途徑之一,在政治上能夠?qū)崿F(xiàn)金融民主,其社會(huì)價(jià)值不容小覷。因此,p2p網(wǎng)絡(luò)借貸具有很高的研究?jī)r(jià)值。
[Abstract]:The traditional financing market in China is dominated by banking institutions. On the one hand, in order to ensure the safety of funds, banks generally set very high financing standards for external lending. The result of these higher lending standards is that large enterprises can obtain bank loans without any effort, but for small and medium-sized enterprises and individuals because of their own conditions can not meet the bank lending standards can only be deterred; On the other hand, banks need to spend a lot of time, manpower, material and financial resources to determine whether to lend after investigating the financial situation and repayment capacity of small and medium-sized enterprises. But because of its large social impact, strong capital, operating scale, banks do not need to lend so much. Strict lending standards by banks and demand for funds by small and medium-sized enterprises and individuals have led to a growing boom in private lending. The traditional folk lending opened up a new lending platform-network lending platform with the help of the rapid development of Internet technology, and P2P network lending was born. The P2P network lending platform of our country is an imported product, and has appeared a series of problems in the development, such as: the legislation of the network lending is not perfect, the rights and obligations of the three parties of the P2P network lending are unclear, and the development of the P2P network lending platform is not consistent with the actual situation of our country. The protection mechanism for both parties is not perfect; the admission and withdrawal mechanism is not perfect; the personal credit collection system and information disclosure system are lacking; the supervision of P2P network lending is not perfect. Such problems as running away from P2P platform, difficulty in withdrawing cash, fraud, damaging the interests of lenders and information rights and interests of borrowers, and even causing criminal offences emerge one after another in the course of the transaction, which causes the P2P platform to run away, withdraw cash difficult and defraud. This paper puts forward some suggestions for specific problems, including special legislation, improving the law of Internet, clarifying the rights and obligations of both lenders and borrowers, establishing the mechanism of admission and withdrawal, strengthening information disclosure and supervision, and making clear the rights and obligations of both lenders and borrowers. In order to solve the demand for funds of small and medium-sized enterprises and individuals, P2p has realized financial innovation by making use of the Internet technology in order to establish a personal credit collection system. Generally speaking, P2P Internet lending is one of the main ways to realize inclusive finance in economy. It can realize financial democracy in politics, and its social value can not be underestimated. Therefore, P2P network lending has high research value.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.282

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