互联网平台融资的法律规制研究

发布时间：2018-05-15 21:30

本文选题：互联网平台 + 融资　；参考：《宁波大学》2017年硕士论文

【摘要】：互联网平台融资作为一种商事活动在经过近几年的发展如今已经颇具规模,具体表现形式以P2P和众筹为典型。平台融资蓬勃发展的同时,相关问题也逐步暴露出来,需要在投融资主体、投融资行为方面进行法律规制。文章的第一部分将立足研究问题提出的基础,在分析互联网平台融资现实问题的基础上,如投资者主体无门槛限制、融资平台无明确边界等,从理论和实践两个方面提出依据论述对互联网平台融资进行监管的必要性。文章的第二部分从互联网平台融资的重要主体--融资平台出发。首先对融资平台进行定位,论述建立选择性担保的互联网融资平台。在准确定位的分析后、确立融资平台的准入制度,从源头对融资平台进行规制把关。最后以完善资产托管制度和相应的退出制度作为补充。文章的第三部分将紧接上文,从互联网平台融资的参与者--投、融资主体展开分析论述,主张建立合格投资者制度及合格融资者制度。对投资者、融资者资质进行相应明确的评估划分,并对融资者辅之以必要的“黑名单”禁入,力求建立与风险相匹配的互联网平台融资合格参与者。文章的第四部分在对前文主体进行明确定位的基础上,着眼于互联网平台融资行为的关键环节。建议建立明确而详细的信息披露制度,明确信息披露的义务主体及监督机制;建立融资协议格式条款审查制度,明确禁止性条款及事先审查制度。最后,通过落实到各方的行为规制当中,为互联网平台融资的参与主体提供指引,实现对互联网平台融资的法律规制。
[Abstract]:As a kind of commercial activity, Internet platform financing has been developed in recent years, which is characterized by P2P and crowdfunding. With the booming development of platform financing, the related problems are gradually exposed, which need to be regulated by law in the aspects of investment and financing subject and investment and financing behavior. The first part of the article will be based on the basis of the research issues, on the basis of the analysis of the Internet platform financing reality, such as investors without threshold restrictions, financing platforms without clear boundaries, etc. This paper puts forward the necessity of supervising Internet platform financing from two aspects of theory and practice. The second part of this paper starts from the financing platform, which is an important subject of Internet platform financing. First of all, the location of financing platform, the establishment of selective guarantee of Internet financing platform. After the analysis of accurate positioning, we establish the access system of financing platform, and regulate the financing platform from the source. Finally, to improve the asset custody system and the corresponding withdrawal system as a supplement. The third part of the article will be immediately above, from the Internet platform financing participants, financing the main body of the analysis of the establishment of a system of qualified investors and qualified financiers system. The qualification of investors and financiers should be assessed and classified clearly, and the necessary blacklist should be banned to set up qualified participants of Internet platform to match the risks. The fourth part focuses on the key link of the financing behavior of Internet platform on the basis of defining the subject. It is suggested to establish a clear and detailed information disclosure system, to clarify the subject of information disclosure and the supervision mechanism, and to establish a system of examining the terms of financing agreement format, a clear prohibition clause and a prior review system. Finally, through implementing the behavior regulation of all parties, providing guidance for the participants of Internet platform financing, the legal regulation of Internet platform financing is realized.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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