浅议P2P网络借贷平台的主要风险及其防范对策

发布时间：2019-01-11 13:07

【摘要】：P2P网络借贷平台是金融与互联网技术相结合的产物,它的基础运营涉及三方当事人:出借人、网贷平台以及借款人。整个交易流程为,出借人将资金置于网贷平台之上,再由网贷平台将资金转给借款人,借款人按照借贷交易双方约定的还款方式及期限将本金附加利息转回给平台,再由平台根据规则扣除管理费用后,将资金转还给出借人。对网贷平台的理解不应仅仅停留在民间借贷的互联网化,其深刻的意义应该是采用新兴的技术手段和去中心化的指导思想来扁平化金融中介,从而改变风险传播模式,使资金的使用更为高效便捷。不参与单笔借贷交易的经营进而改变间接融资下的风险传播模式,是网贷平台风险传播的本质特点。然而,这并不意味着平台不会发生危险或者完全摆脱了风险管理。相反,现行的网贷平台“跑路”状况频发,在相关监管规则尚不明确的情况下,各个平台的风险管理水平也有很大差别。本文以现行的典型网贷平台为研究对象,对这种金融创新形式的法律风险进行一些揭示,并提出相应防范建议。第一部分为P2P网络借贷平台的基本理论。该部分首先阐述了网贷平台的概念和特征,对平台的应然状态进行了描述。其次,对网贷平台的发展概况进行了简要介绍,对平台的交易模式进行了总结,对模式中的法律关系进行了梳理,从而展现了网贷平台的发展现状。第二部分对P2P网络借贷平台的主要风险展开揭示。在厘清网贷平台主要法律关系的基础之上,该部分就平台各个交易模式下可能产生的主要法律风险进行了详细揭示。第三部分针对P2P网络借贷平台的风险提出防范对策。针对第二部分中对网贷平台所揭示的诸多风险,该部分建议通过明确平台的信息中介地位、设置平台的准入门槛、监管平台的交易流程,达到提高网贷平台风险管理水平的效果。同时,还从宏观上建议完善数字化征信体系,以使上述建议落到实处。
[Abstract]:P2P network lending platform is the combination of finance and Internet technology. Its basic operation involves three parties: lender, network loan platform and borrower. The whole transaction process is that the lender puts the funds on the net loan platform, and then the network loan platform transfers the funds to the borrower, and the borrower transfers the principal and interest to the platform in accordance with the repayment method and time limit agreed by the two parties to the loan and transaction. After deducting the management expenses according to the rules, the platform transfers the funds back to the lenders. The understanding of the network loan platform should not only stay on the Internet of folk loan, but also use the new technology means and the guiding ideology of decentralization to flatten the financial intermediary and change the mode of risk communication. Make the use of funds more efficient and convenient. It is the essential characteristic of the risk communication of the net loan platform not to participate in the operation of single loan transaction and to change the mode of risk communication under indirect financing. However, this does not mean that the platform will not be dangerous or completely free from risk management. On the contrary, the current network loan platform "run the road" situation frequently, in the relevant regulatory rules are not clear, the risk management level of each platform is also very different. This paper takes the current typical network loan platform as the research object, carries on some revelation to this kind of financial innovation form legal risk, and puts forward the corresponding prevention suggestion. The first part is the basic theory of P2P network lending platform. In this part, the concept and characteristics of the network loan platform are introduced, and the supposed state of the platform is described. Secondly, the general situation of the development of the network loan platform is briefly introduced, the trading model of the platform is summarized, the legal relationship in the model is combed, and the development status of the network loan platform is revealed. The second part reveals the main risks of P2P network lending platform. On the basis of clarifying the main legal relationship of net loan platform, this part reveals in detail the main legal risks that may arise under each transaction mode of the platform. The third part puts forward countermeasures against the risk of P2P network lending platform. In view of the many risks revealed in the second part of the network loan platform, this part suggests that by clarifying the information intermediary status of the platform, setting the entry threshold of the platform, and supervising the trading process of the platform, To improve the network loan platform risk management level of the effect. At the same time, it is suggested to perfect the digital credit information system from the macro view, so that the above suggestions can be put into practice.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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