我国P2P网络贷款中贷款人的法律风险及其保护

发布时间：2018-11-22 18:01

【摘要】：P2P网络贷款作为互联网金融的重要组成部分,它以一种全新的普惠金融理念,结合互联网技术,发挥着有别于传统借贷的优势,充分展现了“金融脱媒”的巨大能量,吸引了众多投资者的目光。然而,作为新型的借贷模式,P2P网络贷款在快速发展的过程中出现的一系列平台跑路事件不得不让人开始审视这个行业,发现其中隐藏的法律风险。首先,本文从借贷主体、用途、形式、技术、诉讼等方面分析了P2P网络贷款中贷款人存在的法律风险。其次,在分析这些法律风险的同时,本文也总结了导致这些风险存在的原因,包括P2P网络贷款独有的特点、监管制度的空白、行业规范的缺乏、征信体系不完善等。最后,本文结合我国P2P网络贷款的特点和借鉴国外的经验,从立法完善、政府监管、行业自律等方面提出了保护贷款人的建议。
[Abstract]:P2P network loan as an important part of Internet finance, with a brand new inclusive finance concept, combined with Internet technology, play a different from traditional lending advantages, fully show the "financial disintermediation" huge energy. Attracted the attention of many investors. However, as a new mode of lending, a series of platform running events in the process of the rapid development of P2P network loans have to make people begin to examine the industry and find the hidden legal risks. Firstly, this paper analyzes the legal risk of the lender in P2P network loan from the aspects of loan subject, purpose, form, technology, litigation and so on. Secondly, in the analysis of these legal risks, this paper also summarizes the causes of these risks, including the unique characteristics of P2P network loans, the blank regulatory system, the lack of industry norms, the credit system is not perfect and so on. Finally, combining the characteristics of P2P network loan in our country and drawing on the experience of foreign countries, this paper puts forward some suggestions on how to protect the lender from the aspects of legislation perfection, government supervision, industry self-discipline and so on.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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