普惠金融视角下我国P2P网络借贷的法律规制

发布时间：2018-07-03 10:58

本文选题：普惠金融 + P2P网络借贷　；参考：《山东财经大学》2016年硕士论文

【摘要】：P2P网络借贷最早兴起于欧美,随着国外P2P平台的成立和发展,在全球尤其是我国掀起了一场P2P热潮。我国目前正在大力发展和推广“互联网+”及普惠金融政策,借着政策的春风P2P网络借贷也乘上了高速发展的列车,成为中国特色社会主义金融体系中不可或缺的一份子。P2P是民间小额借贷的变形,它充分利用了网络的优势将传统小额借贷从线下转移到了线上,它为金融业的发展开创了新模式。从普惠金融角度看,普惠金融强调金融服务的全覆盖,网络借贷恰恰符合这个特点。所以网络借贷属于普惠金融但又有别于传统的普惠金融形式,传统的普惠金融更偏向于向农村贫困群体服务,而网络借贷更多的为社会底层人士、小微企业提供便利的投融资活动。当前,P2P网络借贷活动主要依靠P2P平台来进行,但平台倒闭、跑路事件频发,严重影响了行业信誉。造成这种情况的原因是由于监管的缺失,P2P平台从信息中介转变为信用中介,且服务对象及方式不再以普惠性为中心。笔者从落实普惠金融的角度思考如何通过法律手段引导P2P行业驶向正轨,摆脱现在这种无法可依的局面,为行业发展制定一个可行的法律框架。本文除绪论和结语外,主要分为三章:第一章,简述P2P网络借贷兴起的原因和目前的发展状况,多方面阐明网络借贷的特征,初探普惠金融与网络借贷的关系,分析网络借贷的性质和法律地位。通过对国内和国外网络借贷模式的研究,进一步分析网络借贷的发展脉络,梳理经营模式,发现中外模式的异同,为发现问题提供理论基础。第二章,从普惠金融的视角审视P2P网络借贷的发展状况,并结合第一章的介绍,发现P2P正在逐渐偏离普惠金融的本质,走上传统金融的老路。笔者阐明了其具体偏离轨道的方式,并从中发现了更深层次的法律问题。第三章,结合前文的分析论述,在立足于国内具体情况的基础上结合域外经验,以发展普惠金融为视角,以法律手段为工具,从多角度提出规制建议,期望通过合适的监管手段重新将P2P网络借贷纳入普惠金融的正轨。
[Abstract]:P2P network lending first originated from Europe and America. With the establishment and development of foreign P2P platform, a P2P upsurge has been set up in the world, especially in China. At present, China is vigorously developing and popularizing the "Internet +" and inclusive financial policy. By the spring wind of the policy, the P2P network loan is also on the high-speed train, which has become a Chinese characteristic society. .P2P, an indispensable part of the financial system, is the deformation of private small loans. It makes full use of the advantages of the network to transfer the traditional small credit from the line to the line. It creates a new model for the development of the financial industry. From the perspective of Pratt and whiten finance, the general finance emphasizes the full coverage of financial services, and the network lending is exactly in line with the financial system. So the network lending belongs to the Inclusive Finance, but it is different from the traditional inclusive financial form. The traditional Inclusive Finance is more inclined to serve the rural poor, and the network lending is more convenient for the people of the society and the small and micro enterprises. At present, the P2P network lending activities mainly rely on the P2P platform. But the failure of the platform and frequent running events seriously affect the reputation of the industry. The cause of this situation is due to the lack of supervision, the P2P platform is transformed from the information intermediary to the credit intermediary, and the service objects and methods are no longer centered on the universality. The author thinks about how to guide the P2P industry by legal means from the perspective of implementing the Inclusive Finance. In addition to the introduction and conclusion, this paper is divided into three chapters, in addition to the introduction and conclusion, this article is mainly divided into three chapters: Chapter 1, a brief description of the reasons for the rise of the Internet lending and the current development situation, the characteristics of the network lending, and the relationship between the general finance and the network loan. Analysis of the nature and legal status of network lending, through the study of domestic and foreign network lending mode, further analysis the development of network lending, combing business model, finding the similarities and differences between Chinese and foreign models, providing a theoretical basis for finding problems. The second chapter examines the development of P2P network borrowing from the perspective of Pu Huijin. In the introduction of the first chapter, it is found that P2P is gradually deviating from the essence of Inclusive Finance and taking the old way of traditional finance. The author clarifies the way it deviates from the track and finds out the deeper legal problems. The third chapter, in combination with the analysis of the previous article, combines the experience of foreign countries on the basis of the specific situation in the country. From the perspective of Pratt and whiten finance, with legal means as a tool, it proposes regulatory proposals from multiple angles and expects to reintegrate P2P network lending into the positive track of Inclusive Finance through appropriate regulatory means.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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