我国P2P网络借贷法律规制研究

发布时间：2018-10-20 09:25

【摘要】：P2P网络借贷在我国发展近十年,并在我国互联网金融领域形成了相当的规模,尤其是在2013年之后更是迅速崛起,发展速度惊人。然而,对于这种创新型互联网金融实践类型,我国却未及时将其纳入法律规制的框架之内,致使该行业在近两三年内问题层出不穷,发展相当不规范。鉴于P2P网络借贷行业所暴露的问题的严重性,银监会于2015年初正式宣布通过机构改革来设立普惠金融部承担对该行业的监管职责。P2P网络借贷作为互联网金融的一种创新形式,其一方面彰显着普惠金融的理念,另一方面又存在许多问题,对其适用怎样的监管原则值得慎重权衡。由中国人民银行联合十部委发布的《关于促进互联网金融健康发展的指导意见》对此给予了明确的指示——依法监管、适度监管、分类监管、协同监管、创新监管原则。基于上述原则的指引,2015年12月28日,率先针对P2P网络借贷实行监管的《网络借贷信息中介机构业务管理暂行办法(征求意见稿)》正式出台。该意见稿从备案管理、业务规则与风险管理、出借人与借款人保护、信息披露、监督管理等多个方面进行规定,虽然全面,但其中仍存在有争议的内容。本文欲以P2P网络借贷全新的发展大环境为背景,对涉及P2P网络借贷法律规制的政策法规进行认真研读,并密切关注我国P2P网络借贷行业的最新发展动态,结合对大量的学术文献的研读,尽可能地提出对我国P2P网络借贷法律规制的几点完善建议。文章将通过四个部分阐述:第一部分从P2P网络借贷的概念与特点、运营模式、发展现状及意义三个方面来介绍我国P2P网络借贷,以明确本文的研究对象及研究意义。第二部分主要介绍当前我国对P2P网络借贷的法律规制现状,总结其中存在的五方面不足之处,为下文提出完善建议找到入手点及对应点。第三部分选取英美两国为典型代表,介绍其国内对P2P网络借贷进行法律规制所采取的措施,找出法律规制的重点,以此来总结其中的有益措施供我国借鉴参考。第四部分是本文的写作重点,建立在前文的分析与论述之上,结合我国的具体国情,提出可供参考的对我国P2P网络借贷法律规制的完善建议。
[Abstract]:P2P network lending has developed in China for nearly ten years, and has formed a considerable scale in the field of Internet finance in China, especially after 2013, the rapid rise of the development speed is amazing. However, for this type of innovative Internet financial practice, our country did not bring it into the framework of legal regulation in time, resulting in the industry in the last two to three years of problems emerge one after another, the development is quite irregular. In view of the seriousness of the problems exposed by the P2P network lending industry, the CBRC formally announced at the beginning of 2015 that the Ministry of inclusive Finance should be set up through institutional reform to assume regulatory responsibilities over the industry. P2P network lending is an innovative form of Internet finance. On the one hand, it shows the concept of inclusive finance, on the other hand, there are many problems. The guiding opinions on promoting the healthy Development of Internet Finance issued by the people's Bank of China in conjunction with ten ministries and commissions have given clear instructions to this issue-supervision according to law, moderate supervision, classified supervision, coordinated supervision, and innovation of supervision principles. Based on the guidance of the above principles, on December 28, 2015, the interim measures for the Management of Network loan Information intermediaries (draft for comments), which took the lead in regulating P2P network lending, were formally promulgated. The opinion draft from the record management, business rules and risk management, lenders and borrowers protection, information disclosure, supervision and management and other aspects of the provisions, although comprehensive, but there are still controversial content. With the background of the new development environment of P2P network lending, this paper makes a careful study of the policies and regulations related to the P2P network lending laws and regulations, and pays close attention to the latest developments of the P2P network lending industry in China. Combined with the study of a large number of academic documents, this paper puts forward some suggestions to improve the legal regulation of P2P network lending in our country as far as possible. The article will be elaborated through four parts: the first part introduces our country P2P network loan from the concept and characteristic, the operation mode, the development present situation and the significance of the P2P network loan, in order to clarify the research object and the research significance of this paper. The second part mainly introduces the current situation of legal regulation of P2P network lending in our country, summarizes the five deficiencies, and puts forward some suggestions to find the starting point and corresponding point. The third part selects the United States and the United States as the typical representative, introduces the domestic legal regulation of P2P network lending measures, find out the focus of the legal regulation, so as to sum up the useful measures for our reference. The fourth part is the focus of this paper, based on the previous analysis and discussion, combined with the specific situation of our country, put forward some suggestions for reference to improve the legal regulation of P2P network lending in China.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.282

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