网络借贷中借款人道德风险行为分析及规制策略
发布时间：2019-03-22 09:14
【摘要】：网络借贷作为最能体现互联网金融精神的一种新型金融组织形式,在解决跨地域、跨时空的小微企业以及个人融资难题上发挥了重要作用。网络借贷在通过现代信息技术手段解决民间融资难题的同时,也不可避免地面临着难以监控的道德风险,随着《网络借贷信息中介机构业务活动管理暂行办法》的出台,网络借贷平台的道德风险行为势必会得到一定程度的抑制,然而对于借款人的道德风险违约行为,依然存在着规制空白。由此,如何规避拥有绝对信息优势且缺乏抵押担保资产借款人的道德风险行为成为亟待解决的关键科学问题。
[Abstract]:As a new type of financial organization which can reflect the financial spirit of the Internet, the network loan plays an important role in solving the small micro-enterprises and the individual financing problems of the cross-region and space-time. In order to solve the problem of the private financing through the modern information technology means, the network loan is also inevitably faced with the moral hazard which is difficult to monitor, and with the introduction of the Interim Measures for the Management of the Business Activity of the Network and Credit Information Intermediaries, The moral hazard behavior of the network lending platform is bound to be restrained to a certain extent, however, there is a regulation gap for the borrower's moral hazard default behavior. Therefore, how to avoid the moral hazard behavior of the borrower with the absolute information advantage and lack of the mortgage guarantee assets becomes the key scientific problem to be solved urgently.
【作者单位】： 西南政法大学;
【基金】：国家社科基金项目“‘互联网+’农产品订单质押融资模式创新及风险防范机制研究”(16BGL002) 教育部人文社科基金项目“‘公司+农户’模式下考虑天气影响的农产品供应链协调机制研究”(14YJC630034);“基于供应链金融的农产品质押融资风险预警及应急机制研究”(14YJC630152) 中国博士后科学基金项目“天气影响下基于CVaR的‘公司+农户’型订单合同研究”(2015M580770) 重庆市博士后科研项目“互联网时代订单农业模式创新与风险管理研究”(Xm2015044)
【分类号】：D922.28
本文编号：2445462
[Abstract]:As a new type of financial organization which can reflect the financial spirit of the Internet, the network loan plays an important role in solving the small micro-enterprises and the individual financing problems of the cross-region and space-time. In order to solve the problem of the private financing through the modern information technology means, the network loan is also inevitably faced with the moral hazard which is difficult to monitor, and with the introduction of the Interim Measures for the Management of the Business Activity of the Network and Credit Information Intermediaries, The moral hazard behavior of the network lending platform is bound to be restrained to a certain extent, however, there is a regulation gap for the borrower's moral hazard default behavior. Therefore, how to avoid the moral hazard behavior of the borrower with the absolute information advantage and lack of the mortgage guarantee assets becomes the key scientific problem to be solved urgently.
【作者单位】： 西南政法大学;
【基金】：国家社科基金项目“‘互联网+’农产品订单质押融资模式创新及风险防范机制研究”(16BGL002) 教育部人文社科基金项目“‘公司+农户’模式下考虑天气影响的农产品供应链协调机制研究”(14YJC630034);“基于供应链金融的农产品质押融资风险预警及应急机制研究”(14YJC630152) 中国博士后科学基金项目“天气影响下基于CVaR的‘公司+农户’型订单合同研究”(2015M580770) 重庆市博士后科研项目“互联网时代订单农业模式创新与风险管理研究”(Xm2015044)
【分类号】：D922.28
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