互联网票据理财法律风险防范研究

发布时间：2018-05-18 13:52

本文选题：互联网票据理财 + 票据质押　；参考：《山西财经大学》2017年硕士论文

【摘要】：相比传统理财方式,互联网票据理财以其门槛低、收益高等优势,为投资者提供了新的投资渠道,破解了中小企业的融资难题。但是,由于我国目前既缺乏健全的互联网金融法律法规,也没有建立适应互联网票据理财特点的风险防范和监管体系,使得互联网票据理财法律风险问题日益凸显。因此,加强风险防范和监管对促进互联网票据理财的持续健康发展具有重要意义。我国《担保法》、《物权法》和《票据法》虽然对票据质押均作出规定,但是在对票据质押的规定上存在冲突与矛盾,导致在互联网票据理财的票据质押效力方面存在不确定性,隐藏着票据质押效力瑕疵风险。《网络借贷信息中介机构业务活动管理暂行办法》虽将网贷平台确立为信息中介,但对于平台信息披露义务的规定并不完善,导致平台在运营过程中将部分风险转移给投资者,加大投资风险。此外,在共享质权是否有效缺乏明确规定、对贷后资金用途是否合法缺乏监管等影响投资者质权实现方面,也蕴含着诸多的法律风险。针对互联网票据理财的特殊风险,从保护投资者合法权益的法律角度出发,以风险防范为原则,对于互联网票据理财中票据质押权的设立,建议采用《票据法》规定的进行票据质权设立。修改《票据法》,确立电子票据的法律地位,维护电子票据信息安全,降低票据真实性风险。完善《网络借贷信息中介机构业务活动管理暂行办法》具体规定,将平台的信息披露义务具体为合同订立前的信息披露义务和合同履行中的持续信息披露义务,同时增加平台对贷后资金用途的监督义务。从平台运营和投资者保障机制入手,加强对互联网票据理财市场的监管。
[Abstract]:Compared with the traditional financial management, Internet bill financing has the advantages of low threshold and high income, which provides investors with a new investment channel and solves the financing problems of small and medium-sized enterprises. However, due to the lack of sound Internet financial laws and regulations, nor the establishment of a risk prevention and supervision system adapted to the characteristics of Internet Bill financing, the legal risk of Internet Bill financing has become increasingly prominent. Therefore, it is of great significance to strengthen risk prevention and supervision to promote the sustainable and healthy development of Internet bill financing. Although the guaranty Law, the Real right Law and the negotiable Instruments Law provide for the pledge of bills, there are conflicts and contradictions in the provisions of the pledge of bills, which lead to uncertainty in the validity of the pledge of bills in the financial management of Internet bills. The interim measures for the Management of Business activities of Network Lending Information intermediary institutions. Although the Internet loan platform is established as an information intermediary, the provisions on the platform's obligation to disclose information are not perfect. Lead to the platform in the operation process will transfer part of the risk to investors, increase investment risk. In addition, there are many legal risks in the aspects of whether the sharing pledge is effective or not and whether the use of funds after loan is legal or not, which affects the realization of investors' pledge right. In view of the special risk of Internet bill financing, from the legal point of view of protecting investors' legitimate rights and interests and taking risk prevention as the principle, the establishment of bill pledge right in Internet bill financing is discussed. It is suggested that the bill pledge should be established in accordance with the Bill Law. Revise the negotiable instrument Law, establish the legal status of electronic bill, maintain the information security of electronic bill, and reduce the risk of authenticity of bill. To perfect the interim measures for the Administration of Business activities of Network Lending Information intermediary institutions, to specify that the platform's obligation to disclose information is the obligation to disclose information before the conclusion of the contract and the obligation to disclose information continuously in the performance of the contract, At the same time to increase the platform after the use of funds after the supervision of the obligation. From the platform operation and investor protection mechanism, strengthen the supervision of Internet bill financing market.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.287;D923.2

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