校园借贷法律风险及其防范研究

发布时间：2018-03-20 09:46

  本文选题：校园借贷　切入点：法律风险　出处：《河北经贸大学》2017年硕士论文　论文类型：学位论文

【摘要】：2015年在“互联网+”时代的大背景下,互联网金融首次被纳入国家规划建议。校园借贷作为互联网金融的重要组成部分,在国家“普惠金融”的政策背景下呈现爆发式的增长,一系列专门针对大学生“量身定制”的信用贷款产品纷纷涌入各大高校。校园借贷不同于传统金融行业,具有方便快捷等特点,解决了学生融资难、融资贵的问题。然而,我国没有完善的征信体制,法律法规不健全,各部门之间缺乏有效合作机制,导致校园借贷畸形发展,引发了各种各样的社会问题。平台集体跑路现象时有发生,在校大学生无力偿还网络借贷欠款跳楼身亡,某些平台对不能按期还款的学生暴力催债甚至发展出一条灰色的产业链,有的大学生甚至莫名其妙被贷款等等事件数不胜数,一时间将备受资本青睐,广为社会关注与热议的校园借贷推上舆论的风口浪尖。本文主要采用文献研究法与比较分析法进行研究,在了解校园借贷的内涵、特点、发展背景的基础上,对其存在的不同主体的法律风险进行研究,并借鉴国外校园借贷风险应对模式的经验,在上述理论的支持下有针对性的制定校园借贷法律风险的防范措施,为我国的校园借贷营造一个良好的大环境。本文主要是从五个方面对校园借贷存在的法律风险进行具体研究:第一部分是引言。由三小节组成,第一小节叙述了本文的选题来源和研究目的意义,第二小节讲述了关于本课题目前国内外的研究现状,第三小节是本文所运用的研究方法和创新点。第二部分对校园借贷作了概述性介绍。首先分析阐述校园借贷的内涵,指出目前校园借贷尚未有权威定义,与传统的校园借贷有本质的区别,具有高收益与高风险并存的特点。其次,叙述了校园借贷近几年在我国各大高校成倍增长的原因。再次,介绍了校园借贷在我国的发展现状及异化。最后,校园借贷作为新兴行业,由于立法缺失、平台自身缺陷,监管不到位等原因导致校园借贷漏洞百出,有必要从多方位对其进行规制。第三部分分析了我国校园借贷存在的法律风险。笔者从立法不完善、借款人、放贷人和平台自身等方面入手分析了我国校园借贷存在的法律风险。首先针对平台自身风险方面,笔者主要介绍了平台因行业标准缺失、风险控制机制不完善、风险评价机制不健全而引起的风险。借款人方面经常面临高利贷陷阱、暴力催款的风险。随后又介绍了因借款人的信用风险导致放贷人资金难以收回,法律维权困难的困境,除此之外,还分析了出借人利用平台从事洗钱活动的风险。第四部分阐述了国外的风险应对模式及启示。针对第三部分提出的法律风险,第四部分以英美发达国家为例分析了国外校园借贷法律风险的应对模式,对我国有一定的借鉴意义。第五部分是在第四部分的基础上有针对性的提出切实可行的建议,是本论文的核心。首先在立法层面提出明确合法的校园借贷与相关刑事犯罪行为的界限和加大对借贷双方信息安全的立法保护以及明确校园借贷平台法律地位的建议;其次在防范平台自身法律风险方面,提出建立统一的行业标准,完善风险控制体系,健全风险评价机制的措施;然后在防范借款人法律风险方面,提出加强教育管理,建立多种维权路径,建立客户身份识别制度的措施;最后在防范放贷人法律风险方面,提出建立借款保险制度,加强借贷交易监控的措施。
[Abstract]:In 2015, in the background of "Internet plus" era, the Internet financial advice was first included in the national planning. Campus lending is an important part of Internet banking, showing explosive growth in the background of national policy "Inclusive Finance", a series of specialized university students "tailored" credit products have poured into the university campus. Lending is different from the traditional financial industry, has the characteristics of convenience, solves the financing difficulties, financing expensive problem. However, our country does not have the perfect credit system, laws and regulations are not perfect, the lack of effective cooperation mechanism between the various departments, leading to the campus borrowing abnormal development, triggered a variety of social problems. Platform for collective run away phenomena have occurred, students unable to repay the arrears network lending platform for some jumped to his death, fails to repay the debt of the student violence Even developed a gray industrial chain, some college students and even be rather baffling loans for a time to event beyond count, much favored capital, wide social concern and hot campus borrowing on public opinion in the teeth of the storm. This article mainly uses the literature research method and comparative analysis method to study the characteristics in understanding the connotation of campus borrowing the foundation of the development background, to study the legal risks of different subjects of its existence, and foreign borrowing risk coping mode campus experience, on the basis of these theory targeted for campus lending legal risk prevention measures, to create a good environment for our campus borrowing. This paper is mainly research from the concrete legal risk there are five aspects of campus borrowing: the first part is the introduction. It consists of three sections. The first section describes the selection The source and the purpose and significance of the study, the second section describes the status of research at home and abroad in this paper. The third section is the research method and innovation of this paper. The second part makes an overview on the campus. Firstly elaborates the connotation of campus borrowing lending, pointed out that the current campus borrowing yet authoritative definition, there are the essential difference with the traditional campus borrowing has the characteristics of high yield and high risk. Secondly, this paper analyzes the reasons of campus lending in recent years in China's colleges and universities increase exponentially. Thirdly, the paper introduces the campus borrowing in the development status and alienation in China. Finally, the campus lending as an emerging industry, because of legislation lack of platform of their own defects, the regulation is not in place as a result of campus borrowing is necessary from the multi-faceted Its loopholes appeared one after another., to regulate it. The third part analyzes the legal existence of campus lending in China Wind Risk. From the legislation is not perfect, borrowers, lenders and the platform itself and other aspects analyzes the legal risks in our country. The first campus lending platform based on their own risk, the author introduces the platform due to lack of industry standards, risk control mechanism, risk evaluation mechanism is not perfect and the risk caused by the face. Usury trap often borrowers, the risk of violence Dunning. Subsequently, the borrower's credit risk of lending money to recover, legal difficulties, in addition, also analyzes the risk of the lender with platform in money laundering activities. The fourth part expounds the risk coping model. According to the law abroad and its enlightenment the third part puts forward the risk, the fourth part of the Anglo American countries as an example to analyze the coping mode of foreign campus lending legal risk, to China will borrow For reference. The fifth part is put forward some feasible suggestions on the basis of the fourth part is the core of this paper. Firstly, clarify the legal boundaries of the campus and related criminal behavior of lending at the legislative level and increase the legislative protection of information security and debit and credit lending platform clear the legal status of the proposed campus secondly; platform itself in the prevention of legal risk, proposed the establishment of a unified industry standard, perfect risk control system, improve the risk assessment mechanism and prevention measures; in the borrower legal risk, put forward to strengthen education management, the establishment of a variety of rights protection, establish the system of customer identification measures; finally, in the prevention of legal risks of lending people and proposed the establishment of loan insurance system, strengthen the credit transaction monitoring measures.

【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28
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本文编号：1638543