本文關(guān)鍵詞： 互聯(lián)網(wǎng)借貸融資平臺 審核義務(wù) 審核內(nèi)容 法律風(fēng)險　出處：《浙江大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：互聯(lián)網(wǎng)借貸融資的發(fā)展在近幾年有目共睹,作為新生產(chǎn)業(yè)其發(fā)展前景一度被大眾看好,快速發(fā)展的趨勢讓人贊嘆不已。但是近一年來,相關(guān)互聯(lián)網(wǎng)借貸融資平臺的跑路事件頻發(fā)對公眾造成了不小的恐慌。作為新事物,在發(fā)展初期其監(jiān)管和發(fā)展環(huán)境難免有所不足,不少犯罪分子看準(zhǔn)其漏洞利用平臺做違法犯罪的勾當(dāng)。由此可見,對于互聯(lián)網(wǎng)借貸融資的健康有效發(fā)展,完善的法律監(jiān)管體系及其審核顯得尤為重要。目前完善的法律體系無法在短時間內(nèi)出臺,因此互聯(lián)網(wǎng)借貸融資平臺的審核義務(wù)成了關(guān)鍵點�；ヂ�(lián)網(wǎng)借貸融資平臺的審核義務(wù)是平臺對政策規(guī)范的嚴(yán)格執(zhí)行以及自我約束發(fā)展的重要內(nèi)容,審核義務(wù)的嚴(yán)格有效履行有利于互聯(lián)網(wǎng)借貸融資平臺在業(yè)務(wù)操作和發(fā)展中有效規(guī)避法律風(fēng)險,更有利于平臺的可持續(xù)發(fā)展。審核內(nèi)容的多樣性以及流程的復(fù)雜性是對平臺審核義務(wù)的一大挑戰(zhàn),我國目前并沒有系統(tǒng)嚴(yán)格的法律法規(guī)來闡明互聯(lián)網(wǎng)借貸融資平臺的審核義務(wù)的具體操作流程和內(nèi)容。研究分為三部分,第一部闡述了互聯(lián)網(wǎng)借貸融資的定義以及發(fā)展至今的狀況,從其優(yōu)劣方面闡述互聯(lián)網(wǎng)金融,讓讀者對其有一個基本的認(rèn)識,隨之提出其主要存在的問題和面臨的風(fēng)險,從而引出作為其風(fēng)控手段之一的互聯(lián)網(wǎng)借貸融資平臺審核義務(wù)存在的必要性和重要性;第二部分介紹我國互聯(lián)網(wǎng)借貸融資平臺審核義務(wù)的法律分析,闡述了平臺的審核內(nèi)容、標(biāo)準(zhǔn)、范圍以及國外知名平臺介紹等;第三部分對我國互聯(lián)網(wǎng)借貸融資平臺審核義務(wù)提出一些完善建議。審核義務(wù)的確立和完善有利于互聯(lián)網(wǎng)借貸網(wǎng)絡(luò)融資在未來的發(fā)展中符合法律規(guī)范,符合社會發(fā)展趨勢。
[Abstract]:The development of Internet loan financing is obvious to all in recent years, as a new industry its development prospects were once optimistic, the rapid development trend is impressive. But in the past year. The frequent occurrence of related Internet lending and financing platforms has caused a great deal of panic to the public. As a new thing, its supervision and development environment are inevitably inadequate at the beginning of its development. Many criminals see their loopholes in the platform to do illegal and criminal activities. It can be seen for the healthy and effective development of Internet lending and financing. Perfect legal supervision system and its audit is particularly important. At present, the perfect legal system can not be introduced in a short time. Therefore, the audit obligation of the Internet loan financing platform has become the key point. The audit obligation of the Internet loan financing platform is an important content of the platform's strict implementation of policy norms and self-restraint development. The strict and effective implementation of audit obligations is conducive to the Internet loan financing platform in business operations and development to effectively avoid legal risks. More conducive to the sustainable development of the platform. The diversity of audit content and the complexity of the process is a major challenge to the platform audit obligations. At present, China does not have strict laws and regulations to clarify the specific operation process and content of the audit obligations of Internet loan financing platform. The study is divided into three parts. The first part describes the definition of Internet loan financing and its development so far, from its advantages and disadvantages of Internet finance, so that readers have a basic understanding of it. Then it puts forward its main problems and risks, which leads to the necessity and importance of the audit obligation of Internet loan financing platform as one of its risk control means. The second part introduces the legal analysis of the audit obligation of the Internet loan financing platform in China, and expounds the audit content, standards, scope and the introduction of well-known platforms abroad. The third part puts forward some perfect suggestions on the audit obligation of Internet loan financing platform in our country. The establishment and perfection of audit obligation is conducive to the future development of Internet lending network financing in accordance with the legal norms. In line with the trend of social development.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F724.6

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