P2P网络借贷平台退出法律问题研究

发布时间：2018-01-16 11:23

本文关键词：P2P网络借贷平台退出法律问题研究　出处：《北方工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融普惠的特点使得消费群体数量庞大,而有效的退出制度有助于增加消费者对网络借贷行业的投资信心,也有助于维护该行业健康稳定的发展局面。鉴于互联网业务创新性以及法律滞后性,P2P网络借贷平台在退出市场时产生诸多法律问题,由于目前还没有P2P网络借贷平台专门的退出制度,无法针对P2P网络借贷平台在退出过程中所面临的问题给出有效的法律解决方案,平台在出现退出市场情况时只能依据现有的《公司法》、《企业破产法》法律规定来处理其出现争议时的法律适用问题。因此,既需要结合现有法律规定揭示立法的不足,也需要结合新思路提出解决问题的方法。本文以P2P网络借贷平台为切入点,从相关法律问题的法理分析出发,结合我国相关法律环境,针对P2P网络借贷平台的法律问题进行分析,并提出个人的构想及建议。本文创新之处在于结合P2P网络借贷中介信息服务特殊性,从金融消费者权益保护角度出发对平台上存续业务中尚未到期或已到期的借贷合同如何被接管、客户金融信息如何处理等诸多退出过程中面临的配套制度以及相应的善后处理问题进行分析,另探讨平台退出标准和退出程序等具体操作方式,对完善P2P网络借贷平台退出法律制度提出自己的建议。
[Abstract]:The characteristics of financial inclusion on the Internet make the number of consumer groups large, and an effective exit system helps to increase consumer confidence in the online lending industry. It also helps to maintain a healthy and stable development situation of the industry. In view of the innovation of Internet business and legal lag, P2P network lending platform has many legal problems when it exits the market. At present, there is no special exit system for P2P network lending platform, so it is impossible to give an effective legal solution to the problems faced by P2P network lending platform in the process of withdrawal. The platform can only deal with the application of the law in the event of withdrawal from the market according to the existing Company Law and the legal provisions of the Enterprise bankruptcy Law. Need to combine with the existing laws and regulations to reveal the shortcomings of legislation, but also need to combine with new ideas to solve the problem. This paper based on P2P network lending platform as a starting point, from the legal analysis of relevant legal issues. Combined with the relevant legal environment of our country, this paper analyzes the legal problems of P2P network lending platform. The innovation of this paper is to combine the particularity of P2P network lending intermediary information service. From the perspective of the protection of financial consumers' rights and interests, how to take over the loan contracts that have not expired or expired in the existing business on the platform. How to deal with customer financial information in the process of exit and other supporting systems and the corresponding post-processing problems are analyzed, and the platform exit standards and exit procedures are discussed. To improve the P2P network lending platform exit legal system put forward their own suggestions.
【学位授予单位】：北方工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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