论网络借贷平台提供商的法律规制

发布时间：2018-02-24 06:12

本文关键词： 网络借贷平台提供商法律义务法律风险法律规制　出处：《西南政法大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着国际金融危机的频繁发生、国内经济面临巨大压力,各级政府不断提出经济发展方式转变的要求,提倡企业不断“创新驱动、转型发展”。在此金融背景下,出现了许多创新型企业。网络借贷交易平台便是其中之一,它凭借互联网的特性,突破了时间和空间的束缚,丰富了民间传统借贷的具体形式,缓解了中小企业和个人融资困难的社会现状,促进了个人信用体系的完善,有利于我国信贷市场的多元化发展。然而,由于网络借贷平台处于起步且快速的发展阶段,缺乏稳定性,出现了诸多金融风险问题和网络借贷纠纷。究其主要原因,我国对于网络借贷平台提供商的法律地位无明确的定位,相应的法律义务与法律责任并不清晰,对于网络借贷平台提供商的行业准入及法律监管并不完善。本文除引言和结语外,共分为六个部分。第一部分——网络借贷平台的发展历程与生存环境。该部分介绍了网络借贷的含义,概括了网络借贷平台的发展历程和背景,并总结出了网络借贷行业的生存环境,得出了我国法律和国家政策对其发展持积极肯定的态度。第二部分——网络借贷平台提供商的界定与法律性质。该部分通过与实体商业银行、小额贷款公司和民间中介公司等机构的比较分析,界定了网络借贷平台提供商的含义,总结了网络借贷平台提供商的特征,并阐述了其法律性质,对合法性和特殊性予以了阐述。第三部分——网络借贷平台提供商的运营模式。该部分通过比较,运用图表描述了网络借贷平台提供商的业务操作模式和运营模式,并对运营模式的规范化提出了合理建议。第四部分——网络借贷平台提供商的民事法律义务。该部分对网络借贷平台提供商的居间法律关系进行了介绍,详细分析了网络借贷平台提供商的居间法律义务,并引入案例阐述了其违反民事法律义务所应该承担的法律后果。第五部分——网络借贷平台提供商面临的法律风险。该部分从实际运营的角度出发,论述了网络借贷平台提供商所面临的四种法律风险,并对风险的防控提出了合理建议对于网络借贷平台供商及其整个行业的发展具有现实意义。第六部分——网络借贷平台提供商法律规制的完善建议。该部分从民商法角度和公法角度对网络借贷平台提供商所涉及的法律规制提出了合理建议。
[Abstract]:With the frequent occurrence of the international financial crisis and the enormous pressure on the domestic economy, governments at all levels have constantly put forward the requirement of changing the mode of economic development, advocating the continuous "innovation-driven, transformational development" of enterprises. Under this financial background, Many innovative enterprises have emerged. The online lending and lending trading platform is one of them. It breaks through the constraints of time and space by virtue of the characteristics of the Internet, and enriches the specific forms of traditional folk lending. It alleviates the social situation of SMEs and personal financing difficulties, promotes the perfection of personal credit system, and is conducive to the diversified development of China's credit market. However, because the online lending platform is in its infancy and rapid development, Because of the lack of stability, there are many financial risk problems and network loan disputes. The main reason is that our country has no clear position on the legal status of network lending platform providers, and the corresponding legal obligations and legal responsibilities are not clear. In addition to the introduction and conclusion, the industry access and legal supervision of network lending platform providers are not perfect. It is divided into six parts. The first part is the development course and living environment of the network lending platform. This part introduces the meaning of the network loan, summarizes the development course and background of the network lending platform. And summed up the network lending industry survival environment, The second part is the definition and legal nature of the network lending platform provider. Through the comparative analysis of micro-loan companies and private intermediary companies, this paper defines the meaning of network lending platform providers, summarizes the characteristics of network lending platform providers, and expounds its legal nature. The third part is the operation mode of the network lending platform provider. This part describes the business operation mode and the operation mode of the network loan platform provider by using the chart. It also puts forward some reasonable suggestions on the standardization of operation mode. Part 4th, the civil legal obligation of the network lending platform provider. This part introduces the intermediary legal relationship of the network loan platform provider. This paper analyzes the intermediary legal obligations of network lending platform providers in detail. It also introduces a case to explain the legal consequences it should bear in violation of its civil legal obligations. Part 5th-legal risks faced by Internet loan platform providers. This part starts from the point of view of actual operation. This paper discusses four kinds of legal risks faced by network lending platform providers. The paper also puts forward reasonable suggestions for the prevention and control of risks, which is of practical significance for the development of online lending platform providers and the whole industry. Part 6th-the perfect suggestions on the legal regulation of network lending platform providers. From the point of view of law and public law, this paper puts forward some reasonable suggestions on the legal regulation of internet lending platform providers.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923

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