P2P网络金融平台法律监管研究

发布时间：2018-05-13 17:15

本文选题：P2P + 监管　；参考：《安徽财经大学》2015年硕士论文

【摘要】：鉴于我国金融体系发展尚不完善,目前在借贷体系中仍旧是商业银行占据主导地位,很多小微企业或者低收入群体难以获得金融贷款,便转向P2P等网络金融寻求融资机会。P2P网络金融中借贷双方发生的是债权债务关系,是对现行金融体系的有益补充,也是发展金融包容体系的重要基础。截至2015年7月1日,P2P网络金融总量达到1946家,综合利率约为14.54%。然而,P2P野蛮式的增长创新也为金融监管带来极大挑战,一方面,P2P网络金融经营模式呈现多样化,既有以拍拍贷为代表的中介模式,也有着异化的宜信模式等,担保模式或者债权转让模式,使得虽然P2P已纳入银监会普惠金融部监管体系中,但对平台的定位仍然争议纷呈；第二,P2P融资平台的兴起也引发金融风险,比如P2P网络金融容易产生非法集资风险,而对于贷款方而言,则为其提供洗钱犯罪的可趁之机。而在鼓励P2P作出创新的同时,还可以保证借贷双方的合法权益则成为P2P行业法律规制今后的发展走向。本文共分以下几个部分表述：第一部分首先从P2P网贷的起源、概念入手,介绍P2P网络金融的基本含义。随之引出P2P经营的特征与经营模式,最终落脚到P2P经营中涉及到的法律关系上,明确与P2P相关的基本法律内涵。第二部分先由P2P发展现状引出,即疯狂发展与金融风险并存,随之对P2P现存的风险问题逐一列述,包括信用风险、平台准入与退出机制的缺失、非法集资与反洗钱风险等等。第三部分则将重心放在国外英美两国的P2P监管经验与分析比对上,包括监管机构与监管措施,在最后对中外P2P金融发展环境进行比对,并提出其可以借鉴的部分。第四部分从客户资金第三方管理模式、平台准入与退出机制、建立P2P多层次监管体系以及健全征信体系等方面提出改善P2P发展环境的相关举措,力求推动P2P网络平台监管环境的完善。
[Abstract]:In view of the imperfect development of our financial system, commercial banks still dominate the lending system, and many small and micro enterprises or low-income groups find it difficult to obtain financial loans. Turn to P2P and other network finance to seek financing opportunities. What happens in P2P network finance is creditor's rights and debt relationship, which is a beneficial supplement to the current financial system, and is also an important foundation for developing financial inclusion system. As of July 1, 2015, the total number of P2P network finance has reached 1946, the comprehensive interest rate is about 14.54. However, the savage growth and innovation of P2P also bring great challenges to financial supervision. On the one hand, P2P network financial management mode presents diversification, both intermediary model represented by PPDAI, and dissimilated suitably trust mode, etc. Because of the guarantee mode or debt transfer mode, although P2P has been brought into the regulatory system of the Banking Regulatory Commission's Finance Ministry, the positioning of the platform is still controversial. Secondly, the rise of P2P financing platform also leads to financial risks. P2P network finance, for example, is prone to the risk of illegal financing, while for lenders, it provides an opportunity for money laundering. While encouraging P2P to make innovations, it can also guarantee the legitimate rights and interests of both parties in P2P industry. This paper is divided into the following parts: the first part introduces the basic meaning of P2P network finance from the origin and concept of P2P network loan. It leads to the characteristics and mode of P2P management, and finally settle down to the legal relationship involved in P2P management, and clarify the basic legal connotations related to P2P. The second part is drawn from the status quo of P2P development, that is, crazy development and financial risk co-exist, and then the existing risk of P2P, including credit risk, lack of platform access and exit mechanism, illegal fund-raising and anti-money laundering risk and so on. The third part focuses on the peer-to-peer supervision experience and analysis of the two countries, including the regulatory institutions and regulatory measures, and finally compares the P2P financial development environment between China and foreign countries, and puts forward some parts that can be used for reference. The fourth part puts forward the related measures to improve the P2P development environment from the aspects of the third-party management mode of customer funds, the platform access and exit mechanism, the establishment of the P2P multi-level supervision system and the improvement of the credit information system, etc. Strive to promote the improvement of P2P network platform regulatory environment.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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