我国P2P网络贷款法律监管方法研究

发布时间：2018-05-24 16:02

本文选题：P2P网络贷款 + 法律关系　；参考：《上海师范大学》2016年硕士论文

【摘要】：最初在国外诞生之时,P2P平台仅仅充当着信息中介的角色,不直接参与借贷行为,但P2P网络贷款这一新型借贷方式一经传入我国,就有了异化发展的趋势,其更多的演化成为一种信用中介,直接参与借贷行为,不免有涉及金融机构之嫌。这一新事物在为我国借贷市场带来活力与繁荣的同时,也因身份模糊、法律缺位、监管缺失、内部治理不规范等问题留下了的巨大风险隐患。作为一种金融创新,监管和法律的及时跟进显得非常迫切。本文通过介绍P2P网络贷款概况,分析该业务中的主要模式和其中的法律关系,剖析其蕴含的风险及监管现状,在此基础上结合国外监管经验探索完善P2P网络贷款的法律监管制度,提出建议。本文主要分为五部分内容:第一部分,为绪论部分,主要阐述了P2P网络贷款的研究背景与意义、国内外文献综述、研究方法以及创新之处,为下文的研究做铺垫。第二部分,首先阐述了P2P网络借贷的概念界定。其次,从P2P网络贷款的兴起和发展来叙述P2P网络贷款的历史沿革。接着,分析P2P网络贷款所具有的信息流通快、交易手续便捷,涉及金额小、借款期限短,贷款门槛低、覆盖面广的特点。然后,分析提出P2P网络贷款具有满足个人资金需求、提高社会闲散资金利用率和发展个人信用体系三个方面的价值和意义。最后,介绍P2P线上网络借贷平台的法律性质以及P2P线上网络借贷中各主体之间的法律关系,通过法律关系的介绍,为后文的法律风险控制提供了理论依据。第三部分,首先写我国P2P网络贷款平台的监管状况。然后,结合现有法律原理、法律规定以及实务中的现状分析了我国P2P贷款平台中目前主要存在的问题,对其进行概况分析总结。第四部分,首先对国外的监管体制进行调查了解。英国、美国作为发达国家在P2P网络贷款监管方面的发展状况,然后,借鉴外国监管经验,写对P2P网络借贷的监管对我国的启示作用。第五部分,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,如明确P2P网络借贷平台的法律地位,确立监管主体,建立多层次的监管体系、加强P2P网络借贷平台的自律监管及建立完善的网络信贷征信体系。
[Abstract]:When the P2P platform was born abroad, it only acted as an information intermediary and did not directly participate in the borrowing behavior. However, once the P2P network loan was introduced into China, it had a tendency of alienation and development. Its more evolution into a credit intermediary, directly involved in lending behavior, unavoidably involving financial institutions. This new thing not only brings vitality and prosperity to our country's loan market, but also leaves a huge risk hidden danger due to the ambiguity of identity, the absence of law, the lack of supervision, the non-standard internal governance and so on. As a kind of financial innovation, it is very urgent to monitor and follow up the law in time. This paper introduces the P2P network loan situation, analyzes the main mode and the legal relationship of the business, analyzes the risks and the current situation of supervision. On the basis of this, this paper explores and consummates the legal supervision system of P2P network loan based on foreign supervision experience, and puts forward some suggestions. This paper is divided into five parts: the first part is the introduction part, mainly elaborated the P2P network loan research background and the significance, the domestic and foreign literature summary, the research method as well as the innovation place, makes the foundation for the following research. In the second part, the concept of P2P network lending is defined. Secondly, the history of P2P network loan is described from the rise and development of P2P network loan. Then, the paper analyzes the characteristics of P2P network loan, such as fast information circulation, convenient transaction procedures, small amount involved, short loan term, low loan threshold and wide coverage. Then, the paper analyzes the value and significance of P2P network loan in three aspects: meeting the personal capital demand, improving the utilization rate of social idle funds and developing personal credit system. Finally, this paper introduces the legal nature of P2P online lending platform and the legal relationship among the subjects in P2P online lending. Through the introduction of the legal relationship, it provides a theoretical basis for the legal risk control later. The third part, first of all, write about the supervision of P2P network loan platform in China. Then, combined with the existing legal principles, legal regulations and the current situation in practice, this paper analyzes the main problems existing in the P2P loan platform in our country, and makes a general analysis and summary of them. The fourth part, first of all, the foreign regulatory system to investigate and understand. Britain and the United States as developed countries in the P2P network loan regulation development situation, then, draw lessons from foreign regulatory experience, write the P2P network loan regulation on China's enlightenment. In the fifth part, aiming at the existing problems of P2P network lending in China and the current situation of supervision, the author puts forward some suggestions to perfect the legal regulation of P2P network lending in China, such as clarifying the legal status of P2P network lending platform and establishing the main body of supervision. Establish a multi-level supervision system, strengthen the self-regulation of P2P network lending platform and establish a perfect network credit system.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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