本文選題：網(wǎng)絡(luò)消費(fèi)信貸　切入點(diǎn)：附隨義務(wù)　出處：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：網(wǎng)絡(luò)消費(fèi)信貸是指網(wǎng)絡(luò)上的“消費(fèi)金融”類產(chǎn)品,即購物網(wǎng)站根據(jù)消費(fèi)者交易數(shù)據(jù),對消費(fèi)者進(jìn)行授信,并根據(jù)信用額度為其在線上購物提供有償或無償?shù)难悠谥Ц痘蚍制谥Ц斗⻊?wù)的一種產(chǎn)品,如:“京東白條”、“螞蟻花唄”、“蘇寧任性付”等。網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)在整個(gè)網(wǎng)絡(luò)消費(fèi)信貸業(yè)務(wù)中起著核心作用居于主導(dǎo)地位,由于平臺(tái)自身的逐利性和監(jiān)管的滯后性及法律規(guī)范的空位導(dǎo)致平臺(tái)在網(wǎng)絡(luò)消費(fèi)信貸業(yè)務(wù)的開展中可能存在著諸多的違約行為。本文主要是針對網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)的附隨義務(wù)、消費(fèi)者賬號風(fēng)險(xiǎn)報(bào)告及責(zé)任分擔(dān)中平臺(tái)的默示約定義務(wù)以及平臺(tái)對消費(fèi)者的抗辯權(quán)約定條款的切斷等平臺(tái)違約形態(tài)進(jìn)行研究,分析平臺(tái)違約原因及其所應(yīng)承擔(dān)責(zé)任的法理基礎(chǔ),同時(shí)對平臺(tái)違約問題的解決提出切實(shí)的法律建議。除緒論外本文具體包括以下四個(gè)部分:第一部分是關(guān)于網(wǎng)絡(luò)消費(fèi)信貸基本理論的闡述。網(wǎng)絡(luò)消費(fèi)信貸有著不同于傳統(tǒng)消費(fèi)信貸的概念和特征,構(gòu)成自身獨(dú)有內(nèi)涵。對網(wǎng)絡(luò)消費(fèi)信貸法律關(guān)系進(jìn)行研究額可以更好的把握其本身的運(yùn)作流程和模式也是研究網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)違約問題的基礎(chǔ)。第二部分著眼于對網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)主要違約問題的提出。消費(fèi)金融平臺(tái)應(yīng)對消費(fèi)者負(fù)有公開、告知、保密等合同附隨義務(wù);消費(fèi)者使用的網(wǎng)絡(luò)消費(fèi)信貸賬號如若發(fā)生被盜用的情況,所帶來的風(fēng)險(xiǎn)也是不可估量的,這其中也就必然涉及責(zé)任的劃分和承擔(dān)問題;當(dāng)前各網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)對消費(fèi)者抗辯權(quán)切斷條款的存在,加大了處于弱勢地位的消費(fèi)者在網(wǎng)絡(luò)消費(fèi)信貸履行中的交易風(fēng)險(xiǎn),在實(shí)踐中具有不合理性。第三部分主要研究了網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)違約行為產(chǎn)生的原因及平臺(tái)承擔(dān)違約責(zé)任的法理基礎(chǔ)。平臺(tái)違約行為產(chǎn)生的原因是多方面的,對違約行為的認(rèn)定和證據(jù)的取得以及責(zé)任承擔(dān)主體的明確都是有待解決的現(xiàn)實(shí)問題。平臺(tái)因自身直接或間接違約行為導(dǎo)致的相對人損害承擔(dān)相應(yīng)責(zé)任,在法理層面有客觀基礎(chǔ)和法理依據(jù)及一般性的歸責(zé)原則,構(gòu)成平臺(tái)承擔(dān)違約責(zé)任的法理基礎(chǔ)。第四部分主要針對前述網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)出現(xiàn)主要違約形態(tài)提出相應(yīng)的應(yīng)對措施。要明確網(wǎng)絡(luò)消費(fèi)信貸平臺(tái)違反合同附隨義務(wù)的法律責(zé)任,對平臺(tái)披露消費(fèi)者申請條件及授信額度標(biāo)準(zhǔn)的義務(wù)進(jìn)行規(guī)制,同時(shí)實(shí)現(xiàn)平臺(tái)對消費(fèi)者信息的有效保護(hù)并依照違約責(zé)任承擔(dān)的法理基礎(chǔ)合理分配消費(fèi)者賬號風(fēng)險(xiǎn)責(zé)任。此外,應(yīng)對消費(fèi)金融平臺(tái)的抗辯權(quán)切斷條款進(jìn)行合理限制,明確對消費(fèi)者向平臺(tái)提出的抗辯權(quán)予以確認(rèn)及保護(hù)的特殊情形,完善違約方面的立法規(guī)定及取證機(jī)制。
[Abstract]:Online consumer credit refers to "consumer finance" products on the network, that is, shopping websites grant credit to consumers according to consumer transaction data. A product that provides a paid or unpaid deferred payment or installment payment service for its online purchases according to its credit line. For example, "JingDong's white stripes", "ants flowers", "JingDong's willful payment" and so on. The online consumer credit platform plays a central role in the entire online consumer credit business. There may be many violations of the platform in the development of online consumer credit business due to its profit-driven nature, the lag of supervision and the vacancy of legal norms. This paper is mainly aimed at the collateral obligations of the online consumer credit platform. The implied contractual obligations of the platform and the disconnection of the agreed terms of the consumers' right of defense in the consumer account risk report and liability sharing are studied in order to analyze the causes of the platform breach and the legal basis of the liability. Besides the introduction, this paper includes the following four parts: the first part is about the basic theory of online consumer credit. Based on the concept and characteristics of traditional consumer credit, Constitute its own unique connotation. The research on the legal relationship of online consumer credit can better grasp its own operation process and mode is also the basis of the study of online consumer credit platform default. The second part focuses on the issue of online consumer credit. Consumer finance platform should be open to consumers. To inform, confidentiality and other contracts are accompanied by obligations; if the online consumer credit account used by consumers is embezzled, the risks will be incalculable, which will inevitably involve the division of responsibility and the assumption of responsibility; At present, the existence of various online consumer credit platforms cutting off consumers' right of defense has increased the transaction risk of consumers in a weak position in the performance of online consumer credit. The third part mainly studies the causes of online consumer credit platform breach of contract and the legal basis of the platform to bear the responsibility for breach of contract. The causes of the platform breach of contract are various, the third part mainly studies the causes of the online consumer credit platform breach of contract and the legal basis for the platform to bear the responsibility for breach of contract. The identification of breach of contract, the acquisition of evidence and the determination of the subject of liability are all practical problems to be solved. The platform bears the corresponding liability for the damage caused by its own direct or indirect breach of contract. At the legal level, there is an objective basis, a legal basis and a general principle of imputation. In the fourth part, the author puts forward the corresponding measures to deal with the main breach of contract on the above mentioned online consumer credit platform. It is necessary to make clear the legal liability of the online consumer credit platform for violating the contractual collateral obligations. It regulates the obligation of the platform to disclose consumer application conditions and credit quota standards, and realizes the effective protection of consumer information on the platform and reasonably distributes the risk liability of consumer account according to the legal basis of liability for breach of contract. The defense right of consumer financial platform should be restricted reasonably, the special circumstances of confirming and protecting the right of defense put forward by consumers to the platform should be clarified, and the legislative provisions and the mechanism of obtaining evidence of breach of contract should be perfected.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D923.8

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