【摘要】：P2P個(gè)體網(wǎng)絡(luò)借貸作為互聯(lián)網(wǎng)金融的主要方式之一,和眾籌、第三方支付、大數(shù)據(jù)金融、信息化金融機(jī)構(gòu)、金融門戶、數(shù)字貨幣等共同推動(dòng)著互聯(lián)網(wǎng)金融產(chǎn)業(yè)蓬勃發(fā)展。P2P個(gè)體網(wǎng)絡(luò)借貸作為民間借貸的特殊形式,即傳統(tǒng)線下進(jìn)行的民間借貸通過互聯(lián)網(wǎng)轉(zhuǎn)換為線上。P2P個(gè)體網(wǎng)絡(luò)借貸具有成本低、效率高、覆蓋廣、發(fā)展快這些優(yōu)點(diǎn),補(bǔ)充了傳統(tǒng)金融機(jī)構(gòu),有效利用了閑置的個(gè)人資金。同時(shí),P2P個(gè)體網(wǎng)絡(luò)借貸有監(jiān)管薄弱、風(fēng)險(xiǎn)較大的缺陷。在網(wǎng)絡(luò)借貸主體中,借款人、貸款人之間存在借款合同關(guān)系,貸款人與網(wǎng)絡(luò)借貸平臺(tái)之間存在著債權(quán)轉(zhuǎn)讓關(guān)系、網(wǎng)絡(luò)借貸平臺(tái)與借貸雙方存在著居間合同關(guān)系、擔(dān)保關(guān)系等較為復(fù)雜的法律關(guān)系。在出現(xiàn)借貸雙方合同違約、網(wǎng)絡(luò)借貸平臺(tái)違約時(shí),需要完善的法律制度規(guī)范各方當(dāng)事人之間的權(quán)利義務(wù)關(guān)系,從而確定違約方的違約責(zé)任以及對(duì)受害方的損害賠償。同時(shí),需要完善我國(guó)對(duì)于個(gè)體網(wǎng)絡(luò)借貸平臺(tái)的監(jiān)管制度。本文通過分析P2P個(gè)體網(wǎng)絡(luò)借貸的基本概念、法律關(guān)系、違約風(fēng)險(xiǎn)以及相關(guān)制度的完善,優(yōu)化P2P個(gè)體網(wǎng)絡(luò)借貸目前的法律制度建設(shè)情況,解決實(shí)務(wù)操作中的問題。P2P個(gè)體網(wǎng)絡(luò)借貸作為互聯(lián)網(wǎng)金融的一種新類型,突破了傳統(tǒng)民間借貸線下活動(dòng)的模式,不論是單純中介型還是復(fù)合中介型,在民商法角度,網(wǎng)絡(luò)借貸所蘊(yùn)藏的法律風(fēng)險(xiǎn)以違約形式大量出現(xiàn)。通過查閱我國(guó)目前的民商事法律法規(guī)以及相關(guān)司法解釋,本作者從分析個(gè)體網(wǎng)絡(luò)借貸平臺(tái)主體的法律關(guān)系入手,羅列出各方當(dāng)事人之間存在的主要的法律風(fēng)險(xiǎn),通過解析法律風(fēng)險(xiǎn)從動(dòng)態(tài)和靜態(tài)角度完善我國(guó)關(guān)于P2P個(gè)體網(wǎng)絡(luò)借貸的法律制度以及監(jiān)管機(jī)制。
[Abstract]:P2P individual network lending is one of the main ways of Internet finance, and crowdfunding, third-party payment, big data finance, information financial institutions, financial portals, As a special form of private lending, traditional online private lending is converted to online through the Internet. P2P individual network lending has low cost. The advantages of high efficiency, wide coverage and rapid development complement traditional financial institutions and effectively utilize idle personal funds. At the same time, P2P individual network lending has the defects of weak supervision and high risk. In the network lending subject, the borrower and the lender have the loan contract relationship, the creditor and the network loan platform have the creditor's rights transfer relation, the network loan platform and the loan both sides have the intermediary contract relation. Security relationship and other more complex legal relations. In the event of breach of contract between the two parties and breach of contract by the online lending platform, it is necessary to regulate the relationship between the rights and obligations of the parties concerned by a perfect legal system, so as to determine the breach liability of the defaulting party and the compensation for damages to the aggrieved party. At the same time, we need to improve the regulatory system of individual online lending platform. By analyzing the basic concept of P2P individual network lending, legal relationship, default risk and the perfection of relevant system, this paper optimizes the current legal system construction of P2P individual network loan. As a new type of Internet finance, P2P individual network lending breaks through the traditional mode of folk lending activities under the line, whether it is pure intermediary type or composite intermediary type, in the perspective of civil and commercial law, P2P individual network lending is a new type of Internet finance. The legal risk of network loan appears in the form of breach of contract. By consulting the current civil and commercial laws and regulations and related judicial interpretations, the author starts with the analysis of the legal relationship of the main subjects of the individual network lending platform, and lists the main legal risks between the parties. By analyzing the legal risk, we improve the legal system and supervision mechanism of P2P individual network borrowing from the dynamic and static point of view.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：D922.282

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本文編號(hào)：2403343