我国P2P网络借贷主体的法律问题研究

发布时间：2019-04-02 12:21

【摘要】：我国传统的融资市场主要以银行机构为主,一方面为了保证资金的安全性,银行机构对外借贷一般会设置很高的融资标准,这些比较高的贷款发放标准导致的结果是大型企业可以不费丝毫之力就可以获得银行的贷款,但是对中小企业和个人来说由于自身的条件达不到银行的放贷标准只能望而却步;另一方面,银行需要花费大量的时间、人力、物力、财力在调查清楚中小企业的资金状况和还款能力之后才决定是否放贷。但大型企业因为其社会影响大、资金雄厚、经营规模等,银行在放贷时不需要这么大动干戈。银行严格的放贷标准与中小企业和个人对资金的需求导致了民间借贷的日益繁荣。传统的民间借贷借助迅猛发展的互联网技术开辟了新的借贷平台一网络借贷平台,p2p网络借贷由此诞生。我国的p2p网络借贷平台属于舶来品,在发展中出现与我国实际情况不相符等一系列问题:网络借贷的立法不完善;p2p网络借贷的三方主体的权利义务规定不明确;对借贷双方的保护机制不健全;准入与退出机制不完善;缺乏个人征信体系和信息披露制度;对p2p网络借贷的监管不完善。导致p2p平台出现跑路、提现困难、诈骗,在交易中损害贷款人的利益,损害借款人的信息权益,甚至引发刑事犯罪等问题层出不穷。本文针对特定的问题提出了完善建议,包括专门立法;完善互联网方面的法律;明确借贷双方的权利义务;制定准入与退出机制;加强信息披露和监管;建立个人征信体系。P2p借贷审时度势的利用了互联网技术,解决了中小企业和个人对资金的需求,实现了金融创新。从大处而言,p2p互联网借贷在经济上是实现普惠金融的主要途径之一,在政治上能够实现金融民主,其社会价值不容小觑。因此,p2p网络借贷具有很高的研究价值。
[Abstract]:The traditional financing market in China is dominated by banking institutions. On the one hand, in order to ensure the safety of funds, banks generally set very high financing standards for external lending. The result of these higher lending standards is that large enterprises can obtain bank loans without any effort, but for small and medium-sized enterprises and individuals because of their own conditions can not meet the bank lending standards can only be deterred; On the other hand, banks need to spend a lot of time, manpower, material and financial resources to determine whether to lend after investigating the financial situation and repayment capacity of small and medium-sized enterprises. But because of its large social impact, strong capital, operating scale, banks do not need to lend so much. Strict lending standards by banks and demand for funds by small and medium-sized enterprises and individuals have led to a growing boom in private lending. The traditional folk lending opened up a new lending platform-network lending platform with the help of the rapid development of Internet technology, and P2P network lending was born. The P2P network lending platform of our country is an imported product, and has appeared a series of problems in the development, such as: the legislation of the network lending is not perfect, the rights and obligations of the three parties of the P2P network lending are unclear, and the development of the P2P network lending platform is not consistent with the actual situation of our country. The protection mechanism for both parties is not perfect; the admission and withdrawal mechanism is not perfect; the personal credit collection system and information disclosure system are lacking; the supervision of P2P network lending is not perfect. Such problems as running away from P2P platform, difficulty in withdrawing cash, fraud, damaging the interests of lenders and information rights and interests of borrowers, and even causing criminal offences emerge one after another in the course of the transaction, which causes the P2P platform to run away, withdraw cash difficult and defraud. This paper puts forward some suggestions for specific problems, including special legislation, improving the law of Internet, clarifying the rights and obligations of both lenders and borrowers, establishing the mechanism of admission and withdrawal, strengthening information disclosure and supervision, and making clear the rights and obligations of both lenders and borrowers. In order to solve the demand for funds of small and medium-sized enterprises and individuals, P2p has realized financial innovation by making use of the Internet technology in order to establish a personal credit collection system. Generally speaking, P2P Internet lending is one of the main ways to realize inclusive finance in economy. It can realize financial democracy in politics, and its social value can not be underestimated. Therefore, P2P network lending has high research value.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.282

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