本文選題：互聯(lián)網(wǎng)票據(jù)理財 + 合格投資者制度�。� 參考：《寧波大學》2017年碩士論文

【摘要】：本文主要對互聯(lián)網(wǎng)票據(jù)理財?shù)姆尚再|、準入制度和投資者保護監(jiān)管路徑等方面展開論述。解析實務中互聯(lián)網(wǎng)票據(jù)理財業(yè)務中存在的法律問題,解決論證的前置性問題。并針對第一種法律問題存在的風險即無準入門檻引發(fā)的風險提出應對策略。第三部分,分析在融資方違約或平臺方侵犯投資者權益時的投資者保護問題,再給出解決措施。第四部分,提出針對互聯(lián)網(wǎng)票據(jù)理財中各方參與者的法律監(jiān)管建議。第一部分具體分析互聯(lián)網(wǎng)票據(jù)理財實務中存在著哪些法律問題。首先對國內票據(jù)理財無準入門檻帶來的風險進行論證,并提出自己的觀點。其次是深度解析票據(jù)收益權轉讓模式下的票據(jù)理財業(yè)務其本質是票據(jù)資產(chǎn)證券化行為,分析業(yè)務開展中的風險,如基礎資產(chǎn)票據(jù)本身被偽造、被挪用和無法承兌的風險。最后,分析目前法律環(huán)境下對票據(jù)理財監(jiān)管缺失產(chǎn)生的影響并明確風險的范圍和表現(xiàn)形式。第二部分構建互聯(lián)網(wǎng)票據(jù)理財中參與者的準入制度。首先,通過立法層面、現(xiàn)實需求、技術條件等方面對平臺商確立設立條件和準入退出標準。其次,要求融資企業(yè)融資前應當符合的客觀條件。最后,對投資者需要具備的素質及準入條件提出要求,進一步規(guī)范我國互聯(lián)網(wǎng)票據(jù)理財?shù)暮细裢顿Y者制度。第三部分提出針對投資者權益保障的有建設性的具體措施。互聯(lián)網(wǎng)金融環(huán)境下投資者個人不能有效自主地進行權利保護,針對這一主要問題衍生出一系列法律規(guī)制方面的不足。文章將針對這些不足及如何保障個人投資者在權益從票據(jù)資產(chǎn)證券化的角度提供切實可行的制度措施。第四部分主要是對票據(jù)理財平臺的監(jiān)管建議。所謂無監(jiān)管不金融,只有有限監(jiān)管才能保證互聯(lián)網(wǎng)金融的生命力,因此有必要研究平臺違規(guī)行為的認定及違規(guī)時的責任分配問題。監(jiān)管的核心點之一是建設交易中的信息強制披露制度。此外,還提出要引入外部信用評級機制,提高投資人的風險識別能力,從而保障投資者利益。
[Abstract]:This paper mainly discusses the legal nature of Internet bill financing, the access system and the path of investor protection and supervision. This paper analyzes the legal problems existing in the Internet bill financing business and solves the presupposition problem of argumentation. At the same time, the author puts forward the countermeasures against the risk of the first kind of legal problem, that is, the risk caused by no entry threshold. The third part analyzes the investor protection problem when the financing party defaults or the platform party invades investors' rights and interests, and then gives the solution. In the fourth part, the author puts forward some suggestions on the legal supervision of the participants in Internet Bill financing. The first part concretely analyzes what legal problems exist in the practice of Internet bill financing. First of all, the paper demonstrates the risk of domestic bill financing without entry threshold, and puts forward its own point of view. Secondly, the paper deeply analyzes the essence of the bill financing business under the model of the transfer of the income right of the bill, and analyzes the risks in the development of the business, such as the risk that the basic asset bill itself is forged, misappropriated and can not be accepted. Finally, the paper analyzes the influence of the lack of financial supervision on bill financing under the current legal environment, and clarifies the scope and manifestation of the risk. The second part constructs the access system of participants in Internet bill financing. First of all, through the legislative level, realistic demand, technical conditions and other aspects of the platform to establish conditions and access to exit criteria. Secondly, require financing enterprises before financing should be in line with the objective conditions. Finally, the quality and access conditions of investors are required to further standardize the QFII system of Internet bill financing in China. The third part puts forward constructive and concrete measures to protect investors' rights and interests. Individual investors can not protect their rights effectively and autonomously under the Internet financial environment, which gives rise to a series of deficiencies in legal regulation. This paper aims at these deficiencies and how to protect individual investors' rights and interests from the point of view of securitization of instruments assets to provide practical institutional measures. The fourth part is mainly on the bill financing platform regulatory recommendations. Only the limited supervision can guarantee the vitality of Internet finance, so it is necessary to study the identification of the illegal behavior of the platform and the distribution of responsibility when violating the regulations. One of the core points of supervision is the mandatory disclosure of information in construction transactions. In addition, the external credit rating mechanism should be introduced to improve the risk identification ability of investors so as to protect the interests of investors.
【學位授予單位】：寧波大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.287

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