【摘要】：在國家鼓勵(lì)大眾創(chuàng)業(yè)及實(shí)體經(jīng)濟(jì)恢復(fù)發(fā)展的時(shí)代里,眾多中小企業(yè)的發(fā)展都面臨著資金短缺、企業(yè)融資困難等問題;而另一方面,社會(huì)個(gè)體大眾手中閑散資金逐漸增多,理財(cái)意識(shí)日益普及,投資欲望也愈發(fā)強(qiáng)烈。如何將閑散的社會(huì)資金集中起來,并用于需求旺盛的實(shí)體經(jīng)濟(jì)行業(yè),這成了互聯(lián)網(wǎng)投融資平臺(tái)產(chǎn)生的最初的動(dòng)因。由于中小企業(yè)擔(dān)保資產(chǎn)少,信用等級(jí)不高,行業(yè)貸款審核手續(xù)復(fù)雜嚴(yán)格等原因,中小企業(yè)對(duì)商業(yè)銀行融資的需求正逐步減弱,轉(zhuǎn)而謀求其他多元化的融資途徑;與此同時(shí),互聯(lián)網(wǎng)的普及以及計(jì)算機(jī)技術(shù)的發(fā)展,信息傳遞渠道的通暢等原因,使得資金從投資者手中直接輸送到融資者一端成為了可能,A2P投融資平臺(tái)應(yīng)運(yùn)而生并在市場(chǎng)中迅速的發(fā)展壯大。筆者主要結(jié)合當(dāng)下A2P投融資平臺(tái)的發(fā)展現(xiàn)狀,以現(xiàn)實(shí)中A2P投融資平臺(tái)發(fā)展中的可能遇到的風(fēng)險(xiǎn)和為題為落腳點(diǎn),并試圖從法律的角度針對(duì)存在的問題進(jìn)行探討分析并提出相關(guān)規(guī)范建議。全文主要分為四個(gè)部分。文章第一章節(jié)綜合闡述了A2P投融資平臺(tái)的相關(guān)基礎(chǔ)理論:筆者先對(duì)A2P投融資平臺(tái)的內(nèi)涵進(jìn)行簡(jiǎn)單的論述,進(jìn)而分析其法律性質(zhì)和定位;再通過與其他互聯(lián)網(wǎng)融資平臺(tái)的比較,對(duì)A2P投融資平臺(tái)做了更深一步的分析;然后分析了平臺(tái)通過此種模式開展業(yè)務(wù)的合法性基礎(chǔ)以及現(xiàn)實(shí)成因,并概括性的說明了A2P投融資平臺(tái)存在的核心價(jià)值作用。文章第二章主要對(duì)A2P投融資平臺(tái)的內(nèi)在法律關(guān)系進(jìn)行細(xì)致的分析:筆者從A2P投融資平臺(tái)參與者的角度出發(fā),理順各參與者間的業(yè)務(wù)聯(lián)系,并總結(jié)了其中包含的居間服務(wù)合同關(guān)系、債權(quán)轉(zhuǎn)讓服務(wù)合同關(guān)系、保理合同關(guān)系等多個(gè)法律關(guān)系,為平臺(tái)納入法律規(guī)制奠定理論基石。文章第三章主要分析了當(dāng)下我國A2P投融資平臺(tái)暴露的、以及可能存在的風(fēng)險(xiǎn)隱患,總結(jié)了A2P投融資平臺(tái)的信息披露不完整、平臺(tái)存在自融機(jī)會(huì)、資金管理不當(dāng)以及洗錢難以防范等問題;并通過研究我國目前的互聯(lián)網(wǎng)金融監(jiān)管現(xiàn)狀,指出目前存在的監(jiān)管主體權(quán)責(zé)不明確、監(jiān)管法律依據(jù)政策性強(qiáng)等不足之處。文章第四章主要是根據(jù)前文所提及的關(guān)于A2P投融資平臺(tái)存在問題和規(guī)制不足的原因,針對(duì)性的對(duì)規(guī)范A2P投融資平臺(tái)、促進(jìn)平臺(tái)的規(guī)范發(fā)展提出相關(guān)建議。首先從經(jīng)濟(jì)學(xué)和法學(xué)角度闡述了規(guī)范A2P投融資平臺(tái)的理論原因,進(jìn)而提出從監(jiān)管主體出發(fā),明確監(jiān)管主體的職責(zé)權(quán)限,落實(shí)監(jiān)管責(zé)任,遵守監(jiān)管原則;通過提高平臺(tái)運(yùn)營(yíng)的透明度,督促平臺(tái)披露完整的信息;利用第三方托管平臺(tái)的交易資金以隔離平臺(tái)的資金風(fēng)險(xiǎn);制定標(biāo)準(zhǔn)的平臺(tái)市場(chǎng)進(jìn)入與退出機(jī)制,維護(hù)相關(guān)市場(chǎng)的秩序和安全;最后通過法律規(guī)制的完善,以期正式將A2P投融資平臺(tái)納入有法可依、有法可治的范疇。
[Abstract]:In the era of encouraging mass entrepreneurship and the recovery and development of the real economy, the development of many small and medium-sized enterprises is faced with problems such as shortage of funds, difficulties in enterprise financing, and so on. On the other hand, the idle funds in the hands of the individual public are gradually increasing, the awareness of financial management is becoming more and more popular, and the desire for investment is becoming more and more strong. How to concentrate idle social funds and use them in the real economy industry with strong demand has become the initial motivation of Internet investment and financing platform. Due to the small and medium-sized enterprises have few secured assets, the credit rating is not high, and the examination procedures of industry loans are complex and strict, the demand for financing of commercial banks is gradually weakening, and the demand for financing of commercial banks is gradually weakened, and other diversified ways of financing are sought instead. At the same time, the popularity of the Internet, the development of computer technology, the smooth transmission of information channels and other reasons make it possible for funds to be transferred directly from investors to the funders. A2P investment and financing platform emerges as the times require and develops rapidly in the market. Based on the present situation of the development of A2P investment and financing platform, the author takes the risks and problems that may be encountered in the development of A2P investment and financing platform as the foothold, and tries to discuss and analyze the existing problems from the legal point of view and put forward some relevant normative suggestions. The full text is mainly divided into four parts. The first chapter of the article comprehensively expounds the basic theory of A2P investment and financing platform: the author first briefly discusses the connotation of A2P investment and financing platform, and then analyzes its legal nature and positioning, and then makes a deeper analysis of A2P investment and financing platform through the comparison with other Internet financing platforms. Then it analyzes the legitimacy basis and practical causes of the platform to carry out business through this model, and generally explains the core value of A2P investment and financing platform. The second chapter mainly analyzes the internal legal relationship of A2P investment and financing platform: from the point of view of the participants of A2P investment and financing platform, the author straightens out the business relations among the participants, and summarizes many legal relations, such as intermediary service contract relationship, creditor's rights transfer service contract relationship, factoring contract relationship and so on, which lays the theoretical cornerstone for the platform to be brought into the legal regulation. The third chapter mainly analyzes the exposure of A2P investment and financing platform in China, as well as the possible risks and hidden dangers, and summarizes the incomplete information disclosure of A2P investment and financing platform, the existence of self-financing opportunities, improper fund management and the difficulty of preventing money laundering. Through the study of the current situation of Internet financial supervision in China, this paper points out the shortcomings of the existing regulatory subjects, such as unclear powers and responsibilities, strong regulatory legal basis and so on. The fourth chapter mainly puts forward some suggestions on standardizing A2P investment and financing platform and promoting the standardized development of A2P investment and financing platform according to the existing problems and insufficient regulation of A2P investment and financing platform mentioned above. First of all, this paper expounds the theoretical reasons for standardizing A2P investment and financing platform from the angle of economics and law, and then puts forward that from the supervision subject, it clarifies the responsibility and authority of the supervision subject, implements the supervision responsibility and abides by the supervision principle, urges the platform to disclose the complete information by improving the transparency of the platform operation, and makes use of the transaction funds of the third party hosting platform to isolate the capital risk of the platform. Make the standard platform market entry and exit mechanism, maintain the order and security of the relevant market; finally, through the improvement of legal regulation, in order to formally bring the A2P investment and financing platform into the category of law to follow and rule by law.
【學(xué)位授予單位】：安徽財(cái)經(jīng)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)：2505410