本文選題：網(wǎng)絡(luò)借貸平臺 + 運(yùn)營模式��； 參考：《延邊大學(xué)》2017年碩士論文

【摘要】：近年來網(wǎng)絡(luò)借貸行業(yè)在我國發(fā)展的較為活躍,網(wǎng)貸平臺的持續(xù)發(fā)展與不斷壯大,更是帶動了整個網(wǎng)貸行業(yè)市場的繁榮與興盛。但由于網(wǎng)絡(luò)借貸平臺是一種新興的借貸模式,我國對于這個方面進(jìn)行監(jiān)管的法律法規(guī)還不夠完善,對于平臺模式的性質(zhì)界定不明確,造成了行業(yè)混亂的局面。雖然我國已經(jīng)出臺了類似于《網(wǎng)絡(luò)借貸信息中介機(jī)構(gòu)業(yè)務(wù)管理暫行辦法》等監(jiān)管文件,來對這一行業(yè)進(jìn)行監(jiān)管,但是文件中對于這一行業(yè)業(yè)務(wù)模式的界定依舊不夠全面和清晰,還無法良好的引導(dǎo)整個行業(yè)的發(fā)展。因此,本文將結(jié)合我國現(xiàn)行的金融監(jiān)管環(huán)境和相關(guān)立法規(guī)制,對P2P網(wǎng)絡(luò)借貸平臺的模式進(jìn)行分析,并對不同模式分別進(jìn)行定性,來更好認(rèn)識平臺在我國發(fā)展中形成的多種模式及其各自性質(zhì),并通過完善我國對網(wǎng)貸平臺的相關(guān)立法,積極引導(dǎo)網(wǎng)貸行業(yè)的發(fā)展。本文共分為四個章節(jié)。第一章是本文的緒論部分,主要通過介紹國內(nèi)外網(wǎng)貸平臺的研究現(xiàn)狀,發(fā)現(xiàn)目前國內(nèi)外對于平臺模式和性質(zhì)的研究較少,尤其是在我國國內(nèi),缺乏對各種模式的分類研究和性質(zhì)的界定,從而得出對該領(lǐng)域進(jìn)行探討的必要性,并奠定了文章的整體基調(diào),明確了下文的研究范圍。第二章是對我國網(wǎng)貸平臺內(nèi)容的相關(guān)概述。簡言之,P2P網(wǎng)絡(luò)借貸平臺就是"促成借貸雙方完成交易的網(wǎng)絡(luò)媒介",通過對其立法現(xiàn)狀進(jìn)行分析,可知目前我國并沒有專門針對該領(lǐng)域的法律法規(guī)。目前專門對其進(jìn)行管制的通常是部委規(guī)章和監(jiān)管性文件,這些文件表明監(jiān)管部門傾向于將平臺定性為中介性質(zhì),只承認(rèn)了純中介的運(yùn)行模式,忽略了對其他模式的分別定性,這種片面性認(rèn)識不利于網(wǎng)貸行業(yè)的長遠(yuǎn)發(fā)展,因此再次重申對平臺不同模式分別進(jìn)行定性的必要性。第三章是對我國網(wǎng)貸平臺模式的分類和性質(zhì)分析。該部分是文章的重中之重,是對網(wǎng)貸平臺類型化的分析,其中側(cè)重于對平臺模式性質(zhì)的分析。首先,對"純線上、線上線下相結(jié)合、債權(quán)轉(zhuǎn)讓、擔(dān)保"等國內(nèi)現(xiàn)存模式進(jìn)行介紹,分析其優(yōu)缺點(diǎn)。其次,為了便于從法律角度展開研究,根據(jù)平臺在借貸交易中扮演的角色和對現(xiàn)存模式的高度概括,將從"純中介、擔(dān)保、債權(quán)轉(zhuǎn)讓"模式進(jìn)行分析。最后,對中介模式的平臺定性為居間性質(zhì)和貸款人的代理性質(zhì);對債權(quán)轉(zhuǎn)讓的平臺模式界定為資產(chǎn)證券化性質(zhì);鑒于擔(dān)保的平臺模式兼具信用和信息中介的雙重功能,此類模式的平臺與金融機(jī)構(gòu)功能形似卻不相同,建議將其歸為金融服務(wù)機(jī)構(gòu)。第四章結(jié)合前文對平臺模式的分析,對今后國內(nèi)P2P網(wǎng)貸行業(yè)的良好發(fā)展給出立法改進(jìn)建議。在對平臺進(jìn)行立法時,舍棄對平臺模式的片面認(rèn)識,應(yīng)對平臺的三種模式進(jìn)行認(rèn)可并分別定性,對平臺模式形成整體認(rèn)知。對中介模式的法律規(guī)制中,不要以模糊的"中介機(jī)構(gòu)"用語,而是要具體化為居間性質(zhì)和代理性質(zhì),同時對平臺義務(wù)的設(shè)定要兼具兩者,盡量給出詳細(xì)具體的規(guī)定;對債權(quán)轉(zhuǎn)讓模式進(jìn)行規(guī)制時,要注意結(jié)合證券法的相關(guān)內(nèi)容,明確此種運(yùn)行模式的平臺要獲得有關(guān)部門的許可方能開展業(yè)務(wù),同時為了規(guī)范該模式中的放貸行為,我國要加快出臺《放貸人條例》,此外該模式應(yīng)借鑒證券投資領(lǐng)域?qū)ν顿Y者資質(zhì)的規(guī)定,即投資者是否符合相應(yīng)資質(zhì),平臺可以根據(jù)具體情況來設(shè)定資質(zhì)標(biāo)準(zhǔn);對于擔(dān)保模式平臺,出于對出借人的保護(hù),應(yīng)對《擔(dān)保法》的相關(guān)規(guī)定進(jìn)行適度擴(kuò)大解釋,如將平臺進(jìn)行的擔(dān)保宣傳行為視為擔(dān)保的一種情形。
[Abstract]:In recent years, the network lending industry development in China is relatively active, growing and sustainable development of net loan platform, but also promote the prosperity of the whole net loan industry market. But because of the network lending platform is a new mode of lending, China for this aspect of legal regulation is not perfect. The nature of the platform model is not clearly defined, resulting in industry chaos. Although China has already issued a similar to the "business management information network lending agency Interim Measures > and other regulatory documents, to the supervision of the industry, but the document to define the industry business model is still not comprehensive and clear. Development is not a good guide to the entire industry. Therefore, this paper will combine the current financial regulatory environment in China and the relevant laws and regulations, carries on the analysis to the P2P network lending platform mode, And the different modes were qualitative, to better understand the formation of the platform in the development of our various models and their properties, and by improving the relevant legislation of the net loan platform in China, and actively guide the development of net loan industry. This paper is divided into four chapters. The first chapter is the introduction, mainly through the present research situation of domestic net loan platform, found at home and abroad for the platform model and the nature of the less, especially in our country, the lack of definition classification and properties of various modes, thus it is necessary to study in this field, and establish the overall tone of the article, defined the scope of the study. Below. The second chapter is an overview of the content of China's net lending platform. In short, the P2P network lending platform is "borrowing contributed to the completion of the transaction network media", based on the current legislation The analysis shows that, at present there is no law specifically for the laws and regulations. The special control on them are usually ministries rules and supervisory documents, these documents show that regulators tend to be characterized as platform intermediary nature, only to admit that the operating mode of pure intermediary, ignoring the other modes are qualitative this kind of one-sided understanding, is not conducive to long-term development of net loan industry, so again the necessity of different modes of platform were qualitative. The third chapter is the classification and Properties Analysis of China's net loan platform model. This part is the priority among priorities of the article, is the analysis of the net loan platform type. Which focuses on the analysis of the nature of the platform model. First, the "pure online, combining online and offline, assignment of creditor's rights, guarantee" and the existing models are introduced, their advantages and disadvantages are analyzed. Secondly, in order to facilitate from the legal angle The degree of research, according to the platform to play in the lending business roles and summarizes the existing patterns, will be secured from pure intermediary, analyze the debt transfer mode. Finally, the platform of qualitative model for the intermediary agent nature intermediary nature and the lender; the transfer of creditor's rights is defined as asset securitization platform model in view of nature; dual function guarantee platform mode both credit and information intermediary platform, such patterns and financial institutions shape function is not the same, should be classified as financial services. In the fourth chapter, combined with the above analysis on the platform model, good suggestions for future development are the legislation of the domestic P2P net loan industry. On the legislation of the platform, abandon the one-sided understanding of the platform mode, three modes of coping platform were recognized and are qualitative, form the overall cognition to the platform of intermediary mode mode. In legal regulation, not to obscure "intermediary", but to be specific properties and intermediary agent nature, at the same time on the platform set to both the obligation, to give detailed provisions; the regulation of debt transfer mode, pay attention to the relevant content of the securities law, the specific operation mode the relevant departments of the platform to get permission to do business at the same time, in order to regulate the lending behavior in the model, China should accelerate the introduction of "lending regulations", in addition to the model reference to investors the securities investment, the investor meets the corresponding qualifications, the platform can be set according to the specific qualification standards for guarantee; model platform, in order to protect the lender, the relevant provisions of "guarantee law" should appropriately expand the interpretation of such as the platform security propaganda behavior as a guarantee A situation.

【學(xué)位授予單位】：延邊大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.4

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本文編號：1771765