浅析我国P2P网络借贷行业的风险与法律监管

发布时间：2018-04-16 23:23

本文选题：P2P网络借贷 + 法律监管　；参考：《山东大学》2017年硕士论文

【摘要】：P2P网络借贷作为新兴的商业模式,比起传统的银行借贷模式有着无可比拟的优势,在解决小微企业和个人融资难的问题上发挥着重要作用①,在互联网金融扮演者愈加重要的角色。但是随着行业的飞速发展,平台跑路、失联、闭站等状况频发,坏账率居高不下、非法集资、网络诈骗等问题也逐渐暴露出来,严重破坏了网络经济秩序,给投资者造成了巨大的经济损失,给互联网金融行业带来了大量差评。出现这些问题的根本原因,就是我国对P2P网络贷款平台的法律监管还很不到位。虽然P2P网络借贷比起传统银行有着程序简便、门槛低、收益高的优势,但是无论是技术、制度还是法律监管层面都较之传统银行有很大的不足,P2P网络借贷行业还有很长的路要走。本文结合我国P2P网络借贷行业的发展现状和存在的问题,对《互联网金融风险专项整治工作实施方案的通知》、《网络借贷信息中介机构业务活动管理暂行办法》等新颁布的法规进行了解读,同时通过对英美发达国家的P2P网络借贷平台的运营模式的研究、和与国内P2P模式的对比,进而提出我国P2P网络借贷平台的法律监管措施:坚持P2P网络借贷平台的信息中介地位、构建完善的法律监管体系、建立完善的征信体制、加强信息披露强度等。本文主要内容分为六个部分:第一部分,引言。包括研究背景与意义、文献综述以及研究方法。第二部分,P2P网络借贷概述,包括概念、特点及其产生发展的过程。第三部分,P2P网络借贷运行的模式,结合我国P2P发展的现状,提出法律监管的必要性。第四部分,P2P网络借贷的法律规制现状。虽然颁布了《网络借贷信息中介机构业务活动管理暂行办法》《关于促进互联网金融健康发展的指导意见》等法规对行业进行了规制,但是我国P2P网络借贷的监管现状仍不乐观。第五部分,国外先进模式对我国P2P行业发展的启示作用。第六部分,针对我国P2P网络借贷存在的问题和监管现状,提出了完善我国P2P网络借贷法律规制的建议,如坚持信息中介地位、构建完善的法律监管体系、建立完善的征信体制、加强信息披露强度等。
[Abstract]:P2P network lending, as a new business model, has unparalleled advantages over the traditional bank lending model, and plays an important role in solving the problem of small and micro enterprises and personal financing difficulties.Playing an increasingly important role in Internet finance.However, with the rapid development of the industry, such problems as the running of the platform, missing links, closed stations, etc., the high rate of bad debts, illegal fund-raising, network fraud, and other problems have gradually exposed, seriously undermining the order of the network economy.To investors caused huge economic losses, to the Internet financial industry brought a large number of bad comments.The root cause of these problems is that the legal supervision of P2P network loan platform is not in place in our country.Although P2P network lending has the advantages of simple procedure, low threshold and high income compared with traditional banks, but whether it is technology,Compared with traditional banks, P2P network lending industry still has a long way to go.This paper combines the current situation and existing problems of P2P network lending industry in China.This paper interprets the newly promulgated regulations, such as the notice on the implementation Plan of the Special rectification of Internet Financial risks, the interim measures for the Management of Business activities of Network Lending Information intermediaries, and other newly promulgated laws and regulations.At the same time, through the research on the operation mode of P2P network lending platform in the developed countries of the United States and the United States, and the comparison with the domestic P2P model, this paper puts forward the legal supervision measures of our country's P2P network lending platform: insisting on the information intermediary status of the P2P network lending platform.Build a sound legal supervision system, establish a sound credit system, strengthen the intensity of information disclosure.The main content of this paper is divided into six parts: the first part, introduction.Including the research background and significance, literature review and research methods.The second part is an overview of P2P network lending, including the concept, characteristics and development process.The third part is about the mode of P2P network lending and the necessity of legal supervision combined with the current situation of P2P development in China.The fourth part is the legal regulation of P2P network lending.Although the interim measures for the Management of the Business activities of Network Lending Information intermediaries and the guidelines on promoting the healthy Development of Internet Finance have been promulgated, the regulatory status of P2P network lending in China is still not optimistic.The fifth part, the enlightenment of foreign advanced models to the development of P2P industry in China.In the sixth part, aiming at the existing problems and the current situation of P2P network lending in China, the author puts forward some suggestions to perfect the legal regulation of P2P network lending in China, such as insisting on the status of information intermediary, constructing a perfect legal supervision system and establishing a perfect credit investigation system.Strengthen the intensity of information disclosure.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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