我国P2P网络借贷相关法律问题研究

发布时间：2018-03-13 01:31

本文选题：P2P网络借贷　切入点：合同　出处：《上海师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷的出现和发展很好的弥补了市场经济下资金利用率不充足的问题,从表面上看,它是互联网金融的一种,与第三方支付、网络众筹等构成新型的融资方式,但从本质上看,P2P网络借贷其实也是民间借贷的另一种表现形式,只不过借助了网络新科技的“外衣”而已。P2P网络借贷社会意义在于,将社会上广大民众闲散资金整合起来,从而借给有需要的人,而借款人也可以因此收取一定利息。这种借助网络新科技的新型理财方式可以更好地加速社会资金流动,促进社会经济发展,同时对于个人来说,借贷双方都可以实现互利双赢。本文注重从合同的视角论述P2P网络借贷平台中存在的几个问题,同时对近些年有关网贷的热点问题也提出了自己的看法,并结合国外相关经验提出了相应的解决措施。具体来看,全文共分为四个部分:第一部分,概述P2P网络借贷的基本情况。首先是对P2P网贷的基本概念进行阐释,在明确概念之后对其成因进行分析,然后是归纳P2P平台在我国发展的现状,为下文分开论述进行铺垫。第二部分,对国外P2P网贷发展情况进行比较,重点是对发展较早的英国和美国进行比较研究,重点是从监管制度和监管内容两个方面进行论述,通过分析指出其发展的优点和不足,为我国对处理相关问题进行参考并借鉴有益经验。第三部分,对我国P2P网贷现状存在的基本问题进行深入研究,主要是从合同法的视角对P2P网贷平台中存在的法律问题进行探究,同时也指出近些年P2P网贷发展的其他突出问题。第四部分,针对前文所提到的具体问题,结合国外的相关处理经验,先从规制的缘由说起,再具体提出完善的措施。
[Abstract]:The emergence and development of P2P network lending make up for the insufficient utilization of funds under the market economy. On the surface, it is a kind of Internet finance, which forms a new financing method with third-party payment and network crowdfunding. But in essence, P2P network lending is actually another form of private lending. It is only because of the "cloak" of the new network technology. The social significance of P2P network lending lies in the integration of idle funds among the general public in society. Thus lending money to those in need, and the borrower can also charge a certain amount of interest on it. This new financial management method with the help of new technology on the Internet can better speed up the social capital flow, promote social and economic development, and at the same time, for individuals, Both borrowers and borrowers can achieve mutual benefit and win-win situation. This paper discusses several problems existing in P2P network lending platform from the perspective of contract, and also puts forward its own views on the hot issues related to network lending in recent years. The paper is divided into four parts: the first part summarizes the basic situation of P2P network lending. Firstly, it explains the basic concept of P2P network loan. After defining the concept, it analyzes the causes of its formation, and then sums up the current situation of P2P platform development in China, paving the way for the following discussion separately. The second part, compares the development of foreign P2P network loan. The emphasis is on the comparative study of the United Kingdom and the United States, which developed earlier, with the emphasis on discussing the regulatory system and the content of the regulation, and pointing out the advantages and disadvantages of its development through analysis. For our country to deal with related issues and draw on useful experience. Part three, the basic problems of the status quo of P2P network lending in China are studied deeply. It is mainly from the angle of contract law to probe into the legal problems existing in P2P network loan platform, and at the same time, it also points out other outstanding problems in the development of P2P network loan in recent years. Part 4th, aiming at the specific problems mentioned above, Combined with the relevant experience of foreign countries, starting from the reasons of regulation, and then put forward specific measures to improve.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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