论P2P网络借贷金融消费者权益保护

发布时间：2018-03-10 09:25

本文选题：网络借贷　切入点：金融消费者　出处：《河北法学》2016年09期 　论文类型：期刊论文

【摘要】：随着P2P网络借贷的持续快速发展,由其引发的侵害消费者权益问题日益凸显。界定金融消费者最基本的考量应该是解决互联网金融市场中信息不对称问题,为金融交易中处于优势地位的金融经营者施加义务,而为处于弱势地位的金融消费者增加权利。信息不对称理论、社会分层理论、"双峰"理论是P2P网络借贷金融消费者保护的理论依据。P2P网贷行业特殊性亟需加强消费者保护,金融消费者的消费者安全权更为广泛,公平交易权遭遇严峻挑战,受教育权亟待增强。当前我国P2P网贷消费者保护立法缺失,行业存在监管套利,金融消费者纠纷解决机制不畅。我国应当确立金融消费者倾斜、适度保护的基本原则,制定针对P2P网络借贷的专门监管立法,制定专门的《金融消费者权益保护
[Abstract]:With the continuous and rapid development of P2P network lending, the problem of infringing consumers' rights and interests caused by P2P network loan becomes increasingly prominent. The most basic consideration to define financial consumers should be to solve the problem of information asymmetry in the Internet financial market. To impose obligations on financial operators who are in a dominant position in financial transactions, and to increase rights for financial consumers in a weak position. Social stratification theory, "double peak" theory is the theoretical basis of P2P network lending financial consumer protection. The particularity of P2P network loan industry needs to strengthen consumer protection. The right to receive education needs to be strengthened urgently. At present, the legislation of P2P network loan consumer protection is absent in our country, there is regulatory arbitrage in the industry, and the financial consumer dispute resolution mechanism is not smooth. Our country should establish the basic principle of financial consumer preference and appropriate protection. Formulate special regulatory legislation for P2P network lending, formulate special "financial consumer rights and interests protection"
【作者单位】：对外经济贸易大学法学院;
【基金】：对外经济贸易大学“211工程”第三期重点项目《网络时代下私权理论的困境与出路》(8110060402)阶段性成果
【分类号】：D923.8

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