我国P2P网络借贷监管的法律问题研究

发布时间：2018-01-22 09:36

本文关键词： 网络借贷平台公司监管主体民间借贷　出处：《西南政法大学》2016年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷在我国发展势头迅猛,其经营模式也呈现出多样化趋势,现行市场下主要有纯平台模式、担保型模式、债权转让等基本模式。在这些主要经营模式现状下,我国理论界与实务界都还尚未能对P2P网络借贷平台作出完全明确的法律性质界定。由于法律定位的不确定性,导致该行业的监管制度存在漏洞,存在监管灰色地带,并且基于P2P行业自身发展的特性,引发资金风险、信用风险、隐私泄露等一系列法律风险。P2P行业监管主体与监管方式尚不明确,监管责任范围模糊不清,平台圈钱跑路、金融消费者权益受损、踩刑事犯罪红线等扰乱金融市场秩序的负面现象频繁出现,因此加快P2P网络借贷行业统一的监管制度构建刻不容缓。本文除引言部分外,正文由四部分构成。第一部分,P2P网络借贷概述。先对我国P2P经营模式做出分类,阐述其具有的行业特点,然后对网络借贷平台的法律性质作出界定,因为法律性质影响监管主体的确立,而监管主体是监管制度构建中的重要因素,提出我国P2P网络借贷平台具有居间人与准金融机构双重属性。第二部分,P2P网络借贷面临的法律风险。分别从投资人资金被卷走与被挪用的风险,借款人欺诈与违约风险,借款人与投资人的隐私泄露风险,非法集资的刑事责任风险四个方面进行分析,为后文的监管建议作铺垫。第三部分,P2P网络借贷监管现状。通过我国业界相关机构对行业的监管发展进程,分别从缺乏系统的P2P行业监管法律规范和监管主体不明确两个方面阐述。通过对现存风险与我国P2P行业监管存在的问题分析,突出加强监管的必要性,为进一步探索行业监管框架的构建作铺垫。第四部分,P2P网络借贷监管框架构建。针对我国目前行业现状,对监管原则、监管主体、监管措施都提出了自己的观点。详细论述的是监管主体的确立与监管措施的完善。监管主体方面,提出构建以银监会为主要监管机构,中国人民银行等相关部门为协调监管机构,地方金融机构监管为主、中央金融机构监管为辅,行业协会自律监管的基本监管模式。监管措施方面,从设置行业准入门槛、加强消费者权益保护、明确第三方资金存管机构、完善信用体系建设四个方面分别进行论述。在保持互联网金融创新性本质的基础上加强监管,探索构建适合我国国情的P2P网络借贷行业监管框架。
[Abstract]:P2P network lending in China has a rapid development momentum, its business model is also showing a diversified trend, in the current market there are mainly pure platform model, guarantee model. Transfer of creditor's rights and other basic models. In the current situation of these main business models. The legal nature of P2P network lending platform has not been completely defined in the theoretical and practical circles of our country. Due to the uncertainty of the legal positioning, there are loopholes in the regulatory system of the industry. There is a regulatory gray zone, and based on the characteristics of P2P industry itself development, causing a series of legal risks, such as capital risk, credit risk, privacy disclosure. P2P industry regulatory bodies and regulatory methods are not clear. The scope of regulatory responsibility is unclear, the platform circle money running, the financial consumers' rights and interests are damaged, the red line of criminal crimes and other disruptions of the financial market order of negative phenomena frequently appear. Therefore, speeding up the P2P network lending industry unified regulatory system construction is urgent. In addition to the introduction part, the text is composed of four parts. The first part. P2P network lending overview. First of all, the P2P business model in China is classified, and the characteristics of the industry are expounded, then the legal nature of the network lending platform is defined. Because the nature of the law affects the establishment of the regulatory body, and the regulatory subject is an important factor in the construction of regulatory system, it is proposed that our P2P network lending platform has the dual attributes of intermediaries and quasi-financial institutions. Part two. The legal risk of P2P network loan. The risk of embezzlement and withdrawal from investor funds, the risk of borrower fraud and default, the risk of privacy disclosure between borrower and investor. The four aspects of criminal liability risk of illegal financing are analyzed to pave the way for the following regulatory recommendations. The third part is the current situation of P2P network lending supervision. Through the analysis of the existing risks and the problems existing in the P2P industry supervision in China, the necessity of strengthening the supervision is highlighted. In order to further explore the construction of industry regulatory framework. 4th part of P2P network lending regulatory framework construction. According to the current situation of the industry in China, the regulatory principles, regulatory bodies. Regulatory measures have put forward their own views. The detailed discussion is the establishment of regulatory bodies and the improvement of regulatory measures. In terms of regulatory subjects, it is proposed to build the CBRC as the main regulatory body. The people's Bank of China and other relevant departments for the coordination of regulatory agencies, local financial institutions mainly supervision, central financial institutions supervision, the basic regulatory model of self-regulation of trade associations, regulatory measures. From the establishment of industry entry threshold, strengthen the protection of consumer rights and interests, clear third-party fund management institutions. On the basis of maintaining the innovative nature of Internet finance, we should strengthen supervision and explore the regulatory framework of P2P network lending industry, which is suitable for China's national conditions.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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