我国P2P网贷平台不当行为的法律规制

发布时间：2018-06-17 08:38

本文选题：P2P网贷 + 普惠金融　；参考：《华侨大学》2017年硕士论文

【摘要】：我国P2P网络借贷是信息时代金融创新的产物,通过将互联网技术与民间借贷相结合,突破地域的限制,拓宽民间借贷业务边界,主要为那些在传统金融机构中融资能力受限的个人和中小企业提供借贷服务,既收获了长尾市场带来的丰厚利润也实现了国家发展普惠金融的政策意义。从2007年国内第一家网贷平台拍拍贷上线至今,我国的网贷行业一直呈现迅猛增长的发展态势,加之监管缺失的大环境背景,各路资金涌入P2P网贷行业,同时平台跑路事件也屡见不鲜。随着网贷行业的不断发展,业务异化出各种模式,网贷行业风险也因杠杆或外包转嫁等因素放大而难以控制。因而,该如何对P2P网贷平台施行适度而有效的法律监管,是当下亟需解决且具有现实意义的一项重要课题本文首先从我国P2P网贷的起源及特征入手,对行业的发展现状作简要概述,对国内网贷的运营模式作系统梳理,以期全面分析目前国内网贷平台在运营过程中存在的主要风险。其次,通过对“不当行为”的概念界定并将违法行为、犯罪行为与之进行比较,明确“不当行为”在本文语境下的含义,继而结合典型案例将国内P2P网贷平台存在的不当行为进行归类,指出现行国内立法对网贷平台规制的不足。最后通过对英美韩治理经验的考察与借鉴,提出契合我国国情和网贷行业发展实际的一系列完善设想和改进意见。
[Abstract]:P2P network lending in China is the product of financial innovation in the information age. By combining Internet technology with private lending, we can break through the regional restrictions and broaden the boundary of private lending business. It mainly provides loan services for those individuals and small and medium-sized enterprises with limited financing ability in traditional financial institutions, which not only reap the huge profits brought by the long tail market, but also realize the policy significance of the national development of inclusive finance. Since the introduction of PPDAI, the first domestic network loan platform in 2007, China's network loan industry has been showing a rapid growth trend, coupled with the lack of regulatory environment background, various funds poured into the P2P network lending industry. At the same time, platform running events are common. With the continuous development of the network loan industry, the business is alienated out of various models, and the risk of the network loan industry is also enlarged by leverage or outsourcing and so on, which is difficult to control. Therefore, how to carry out moderate and effective legal supervision on P2P network loan platform is an important subject that needs to be solved and has practical significance. This paper begins with the origin and characteristics of P2P network loan in China. This paper gives a brief overview of the current situation of the development of the industry and systematically combs the operation mode of the domestic net loan in order to comprehensively analyze the main risks existing in the operation process of the domestic network loan platform at present. Secondly, by defining the concept of "misconduct" and comparing the illegal behavior, criminal behavior with it, the meaning of "misconduct" in the context of this article is clarified. Then it classifies the improper behavior of the domestic P2P network loan platform with typical cases, and points out the deficiency of the current domestic legislation on the regulation of the network loan platform. Finally, through the investigation and reference of the governance experience of Britain, America and South Korea, the author puts forward a series of perfect ideas and suggestions which are in line with the situation of our country and the actual development of the net loan industry.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.282

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