P2P网络借贷投资者信息权益的法律保护

发布时间：2018-03-01 16:11

本文关键词： P2P网络借贷投资者信息权益保护制度　出处：《哈尔滨工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷平台投资者信息权益保护对策的提出,从厘清投资者信息的基本概念出发,分析了P2P网络借贷投资者信息的范围、特征、类别和法律保护对象。这类信息的范围是自然人在P2P网络借贷平台上进行投资时披露并为信息处理者所掌握的,能够展现投资者的自然属性等方面或者反映其交易状况,可以间接或者直接识别投资者的信息,核心特征是可识别性。可据不同标准划分为不同种类。这些信息反映个人信息权客体和个人信息法益。保护P2P网络借贷投资者信息权益的必要性分析集中在信息的利益性、信息权益受侵害现状和法律保护困境,揭示了投资者信息兼具人格利益内涵和财产利益内涵,而现行法律对两种利益内涵保护力有不逮,加之投资者轻视信息权利、信息处理者处理行为不当等因素,P2P网络借贷平台投资者信息权益保护面临严峻挑战。对典型地域的立法例及理论选择的分析为提出我国P2P网贷投资者信息权益保护制度奠定了基础,该保护制度包括对个人信息权利及信息法益的私法保护,兼有相关辅助举措。鉴于权利的明确性和法益的不稳定性,保护P2P网络借贷平台投资者信息权利最需要法律确权,而保护P2P网络借贷平台投资者信息法益最需要一般性条款和司法救济。
[Abstract]:The P2P network lending platform investor information rights protection measures, starting from the basic concept to clarify the investor information, analysis of the scope of the P2P network lending investors information characteristics, category and object of legal protection. Scope of this kind of information is a natural person to invest in P2P network lending platform on the disclosure and to master information processing the investor can show natural attributes or reflect the status of the transaction can directly or indirectly identify investor information, core features are identifiable. Can be divided into different types according to different standards. These information reflect the personal information right and personal information law. The necessity of protecting the P2P network lending investors information rights the analysis is focused on the interests of information, information rights infringement status and legal protection of investor information reveals the dilemma, both personality connotation and interests The interests of property and connotation, the present law has not caught on the two connotation of the protection of the interests of investors, and despise the right of information processing, information processing and other misconduct factors, P2P network lending platform information to protect the interests of investors are facing severe challenges. On the analysis of legislation and theory of choice for the typical region put forward China's P2P net loan investors the information rights protection system laid the foundation of the protection system of private law protection of personal information rights and information law, with relevant auxiliary measures. In view of the specific rights and legal interests of the instability, the protection of the P2P network lending platform investor information right the most in need of legal right, and protect the P2P network lending platform investor information method benefit most in need of general provisions and judicial relief.

【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.282

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