论我国校园网络借贷的法律规制

发布时间：2018-03-13 23:09

本文选题：校园网络借贷　切入点：监管　出处：《广东财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：校园网络借贷是一种以互联网技术发展为基础结合民间借贷所形成的借贷方式,这一新型借贷模式对我国现有的法律规范提出了挑战。许多校园随处可见“借贷宝、校贷”的广告,数以千计的学生卷入了一场场校园网络借贷事件,甚至发生最近的“校园裸贷事件”。目前,我国的校园网络借贷处于一种“弱监管、弱规制”的状态,问题层出不穷,只有尽早制定完善的网络借贷法律制度才能摆脱这一局面。本文的重点放在第二部分和第三部分,笔者希望通过分析校园网络借贷中的法律关系,归纳破坏原法律关系的行为,探究产生这些违法和犯罪行为的原因,从而找出网络借贷法律规制中还存在的缺陷,为最终完善校园网络借贷法律规制做好铺垫。本文主要按照以下思路进行探索:首先,简要阐述校园网络借贷的内涵以及裸贷事件;其次,理顺了校园网络借贷的民事法律关系,奠定法律理论基础;再次,总结了容易出现在网络借贷过程中的民事违法行为和刑事犯罪行为,突出问题之所在;而后,分析出产生违法行为和犯罪行为的根源是法律规制的缺失,归纳校园网络借贷中有哪些法律规制上的缺陷存在;最后,提出完善建议。
[Abstract]:Campus network lending is a kind of borrowing method based on the development of Internet technology and folk lending. This new lending mode has challenged the existing laws and regulations of our country. Many campuses can see "borrowing treasure" everywhere. Thousands of students have been involved in a series of campus online lending incidents, and even the recent "campus loan incidents" have taken place. At present, our country's campus network lending is in a state of "weak supervision and weak regulation." Problems emerge in endlessly, only by establishing a perfect legal system of network lending as soon as possible can we get rid of this situation. The focus of this paper is on the second and third parts. The author hopes to analyze the legal relationship in campus network lending. Induces the behavior which destroys the original legal relationship, probes into the causes of these illegal and criminal acts, and finds out the defects in the legal regulation of network lending. In order to finally perfect the legal regulation of campus network lending. This paper mainly according to the following ideas to explore: first, a brief description of the connotation of campus network lending and bare loan events; secondly, Straighten out the civil legal relationship of campus network lending, lay the legal theoretical foundation; thirdly, summarize the civil illegal and criminal acts that are easy to appear in the course of network lending, and highlight the problem. Analysis of the root causes of illegal behavior and criminal behavior is the lack of legal regulation, sum up the campus network lending in which there are some defects in the legal regulation; finally, put forward some suggestions for improvement.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.282

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