本文選題：P2P網(wǎng)貸 + 托管��； 參考：《安徽大學》2017年碩士論文

【摘要】：P2P網(wǎng)貸模式自引入我國之后就得到了飛速發(fā)展,但是由于發(fā)展時間較短,且沒有成熟的模式可以借鑒,加之法律制度不健全,截止到2016年,全國問題平臺數(shù)量達到1741家,其中平臺跑路、資金提現(xiàn)困難占了較大比重。雖然P2P網(wǎng)貸平臺在服務小微企業(yè)和普通大眾中起到了很大的作用,但是平臺資質參差不齊,平臺跑路,資金提現(xiàn)困難等現(xiàn)象時有發(fā)生。資金安全問題正逐漸成為P2P網(wǎng)貸平臺需要解決的首要問題,作為確保P2P網(wǎng)貸平臺資金安全的第三方托管制度被重視起來。2016年底,全國大多數(shù)P2P網(wǎng)貸平臺都宣稱實現(xiàn)了資金第三方托管,但P2P網(wǎng)貸平臺引入資金第三方托管制度只有兩年多的時間,目前尚處于探索階段,為了確保第三方托管制度能夠真正發(fā)揮作用,真正做到"既托又管",亟需對第三方托管進行深入研究,以期完善。第三方支付機構和商業(yè)銀行是目前我國P2P網(wǎng)貸平臺資金第三方托管的兩大主體�；谕泄苜M用、交易便捷性和準入門檻的考慮,目前第三方支付機構成為了絕大部分P2P網(wǎng)貸平臺的選擇,而少數(shù)背景實力雄厚的P2P網(wǎng)貸平臺則選擇了商業(yè)銀行。從以上兩種托管模式的比較分析可以看出,不管是采用哪種模式,都各有優(yōu)缺點,而且就資金第三方托管本身來說,引入該制度的時間還比較晚,尚處于起步和探索階段,面臨著諸多問題和法律風險�；诖�,應當以P2P網(wǎng)貸平臺資金第三方托管的發(fā)展歷史為切入點,對P2P網(wǎng)貸平臺資金第三方托管中的法律關系進行分析。對目前存在的兩種托管模式進行了比較分析,深入分析了目前P2P網(wǎng)貸平臺存在的諸多問題及法律風險,比如第三方支付機構托管P2P資金存在的問題,具體包括缺乏法律支撐,托管機構權責不明、定位不清,第三方支付機構參與虛假宣傳,第三方支付機構"托而不管",技術風險等等。又如商業(yè)銀行托管P2P資金存在的問題,具體包括銀行違規(guī)經(jīng)營,獨立性不強,違反托管合同,銀行托管系統(tǒng)開發(fā)難度大等等。針對存在的上述問題,應該完善P2P網(wǎng)貸平臺資金第三方托管立法,明確第三方托管的權利和義務。明確違規(guī)托管、虛假宣傳的法律責任,厘清存管與托管,強化托管方責任,監(jiān)督意識。統(tǒng)一網(wǎng)貸平臺資金第三方托管體系,強化對P2P網(wǎng)貸平臺的社會監(jiān)督。完善P2P網(wǎng)貸行業(yè)信息披露制度,加強P2P網(wǎng)貸行業(yè)自律及風險防控能力等等。
[Abstract]:The P2P network loan model has developed rapidly since it was introduced into our country. However, due to the short development time, the lack of mature model to learn from, and the imperfect legal system, by 2016, the number of national problem platforms has reached 1741.Among them platform runs the road, the difficulty that funds draws cash to occupy a large proportion.Although the P2P network loan platform has played a great role in serving small and micro enterprises and the general public, the platform qualifications are uneven, the platform runs the road, the funds are difficult to collect and so on.The problem of capital security is gradually becoming the primary problem that needs to be solved by P2P network loan platform. As a third party hosting system to ensure the funds security of P2P network loan platform, the third party hosting system is paid more attention to. At the end of 2016,Most P2P network loan platforms in China claim to have realized third-party hosting of funds. However, the P2P network loan platform has only introduced the third-party fund hosting system for more than two years, and is still in the exploratory stage.In order to ensure that the third party trusteeship system can play a real role and achieve "trust and management", it is urgent to conduct in-depth research on third party trusteeship in order to perfect it.Third-party payment institutions and commercial banks are the two main bodies of the third-party hosting of P2P loan platform funds in our country.Based on the consideration of hosting fee, transaction convenience and entry threshold, the third-party payment institutions have become the choice of most P2P network loan platforms, while a few P2P network loan platforms with strong background choose commercial banks.From the comparative analysis of the above two types of trusteeship models, we can see that, no matter which mode is adopted, each has its own advantages and disadvantages, and as far as the third party trusteeship of funds is concerned, the time of introducing the system is relatively late, and it is still in its infancy and exploration stage.Faced with many problems and legal risks.Based on this, it is necessary to analyze the legal relationship in the third party trust of P2P network loan platform based on the development history of P2P network loan platform fund third party hosting.This paper makes a comparative analysis of the two kinds of hosting modes, deeply analyzes many problems and legal risks existing in the P2P network loan platform, such as the problems existing in the P2P funds of third-party payment institutions, including the lack of legal support.The authority and responsibility of the trust organization are unclear, the position is unclear, the third party payment organization participates in false propaganda, the third party payment organization "entrusts but does not care", the technical risk and so on.For example, the problems of P2P funds in commercial banks include bank illegal operation, weak independence, breach of trusteeship contract, difficulty in developing bank trusteeship system, and so on.In view of the above problems, we should perfect the legislation of P2P network loan platform fund third party trusteeship and clarify the rights and obligations of third party trust.Clear legal liability of illegal trusteeship, false publicity, clarify the custody and custody, strengthen the trustee responsibility, supervision consciousness.Unifies the net loan platform fund third-party hosting system, strengthens the social supervision to the P2P network loan platform.Improve the P2P network loan industry information disclosure system, strengthen the P2P network loan industry self-discipline and risk prevention and control capabilities.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.282

【參考文獻】

相關碩士學位論文 前2條

1 秦元宏;P2P第三方資金托管問題與對策[D];華東師范大學;2016年

2 李寧寧;P2P資金第三方托管問題研究[D];華南理工大學;2015年

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本文編號：1763782