本文選題：網(wǎng)絡(luò)借貸平臺(tái) + 監(jiān)管制度��； 參考：《西南科技大學(xué)》2015年碩士論文

【摘要】：網(wǎng)絡(luò)借貸平臺(tái)是互聯(lián)網(wǎng)與民間借貸結(jié)合的產(chǎn)物,因具有靈活便捷、手續(xù)簡單、貸款門檻低、收益高等優(yōu)點(diǎn),傳入我國后,迅速發(fā)展,已經(jīng)具有相當(dāng)大的規(guī)模。然而,網(wǎng)絡(luò)借貸平臺(tái)問題頻頻出現(xiàn),近年來,先后發(fā)生了“淘金貸”、“天力貸”、“家家貸”、“光大信投”等卷款走人的事件,引起了社會(huì)各界的廣泛的關(guān)注。網(wǎng)絡(luò)借貸平臺(tái)出現(xiàn)的問題是市場失靈的表現(xiàn),市場并非萬能,讓市場主體按照自己的意愿發(fā)展容易導(dǎo)致忽視社會(huì)利益。因此網(wǎng)絡(luò)借貸市場需要政府進(jìn)行監(jiān)管,以讓網(wǎng)絡(luò)借貸平臺(tái)健康的發(fā)展,更好的履行“普惠金融”的社會(huì)責(zé)任。目前,我國對(duì)于包括網(wǎng)絡(luò)借貸平臺(tái)在內(nèi)的互聯(lián)網(wǎng)金融立法基本處于空白,網(wǎng)絡(luò)借貸平臺(tái)處于法律監(jiān)管的灰色地帶�？v觀國外,無論是英國、美國,還是德國、法國,均有專門的機(jī)構(gòu)對(duì)網(wǎng)絡(luò)借貸平臺(tái)進(jìn)行監(jiān)管,并且制定了一系列監(jiān)管規(guī)則,實(shí)現(xiàn)了網(wǎng)絡(luò)借貸行業(yè)良性發(fā)展。從這些國家的經(jīng)驗(yàn)可以看出,我國應(yīng)當(dāng)從監(jiān)管的原則、監(jiān)管法律體系的建立、監(jiān)管主體的確定和監(jiān)管內(nèi)容四個(gè)方面對(duì)網(wǎng)絡(luò)借貸平臺(tái)監(jiān)管制度進(jìn)行完善。
[Abstract]:Network lending platform is the product of the combination of Internet and private lending. Because of its advantages such as flexible and convenient, simple procedures, low threshold of loans, high income, and so on, it has developed rapidly and has a considerable scale.However, the network loan platform problem frequently appears, in recent years, has occurred successively "the gold prospecting loan", "the Tianli loan", "the family loan", "the Everbright letter investment" and so on volume money departure event, has caused the social all walks of life widespread concern.The problem of network lending platform is market failure, which is not omnipotent, so it is easy to ignore the social interests by letting the market subject develop according to its own will.Therefore, the online lending market needs to be regulated by the government in order to make the online lending platform develop healthily and fulfill the social responsibility of "inclusive finance".At present, the legislation of Internet finance, including network lending platform, is basically blank in our country, and the network loan platform is in the gray area of legal supervision.Throughout the foreign countries, no matter Britain, America, Germany, France, there are special institutions to supervise the network lending platform, and have formulated a series of regulatory rules to achieve the benign development of the network lending industry.From the experience of these countries, we can see that our country should perfect the supervision system of network lending platform from four aspects: the principle of supervision, the establishment of regulatory legal system, the determination of the main body of supervision and the content of supervision.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28;D923.6
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本文編號(hào)：1747639