P2P网络借贷风险准备金与第三方担保法律问题探究

发布时间：2018-01-14 22:10

本文关键词：P2P网络借贷风险准备金与第三方担保法律问题探究　出处：《上海金融》2017年05期 　论文类型：期刊论文

【摘要】：2016年以来,新的监管意见明确禁止了平台自保的增信模式。风险准备金和第三方担保尚游离于监管的灰色地带。具言之,风险准备金来源于平台自身、借款人(不返还)、投资人时,才有可能属于平台自保;平台自设、控股、参股担保机构或者同属于一个集团公司的担保机构提供担保,在大多数情况下(分支机构提供担保除外)都是属于第三方担保的范畴。第三方担保与风险准备金并存时约定赔偿顺序,有违背强行法之虞。
[Abstract]:Since 2016, the new regulatory opinion has explicitly prohibited the credit enhancement model of the platform's self-insurance. The risk reserve and the third-party guarantee are still free from the gray area of supervision. In other words, the risk reserve comes from the platform itself. Borrowers (not returned to the investors, it is possible to belong to the platform self-insurance; The platform is set up by itself, holding shares, participating in the guarantee institution or the guarantee institution belonging to a group company to provide the guarantee. In most cases (with the exception of security provided by a branch), it falls within the category of third-party security. When third-party guarantees coexist with risk reserves, the order of compensation is agreed and there is a risk of breach of jus cogens.
【作者单位】：上海交通大学凯原法学院;
【分类号】：D922.28;F724.6;F832.4
【正文快照】： 2016年8月17日,银监会等四部门联合下发《网其内在的法律性质。结合风险准备金的来源来探讨其络借贷信息中介机构业务活动管理暂行办法》,正式法律性质是一个可行路径。禁止P2P网络借贷平台“直接或变相向出借人提供担(一)来源于借款人保或者承诺保本保息”(第十条第三项),由

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