论互联网金融的私法规制——以大学生网络信贷消费合同的效力问题为例

发布时间：2018-03-28 20:49

  本文选题：私法规制　切入点：校园信贷　出处：《南京社会科学》2017年12期

【摘要】：互联网金融的私法规制侧重于纠纷解决、权益救济与规则塑造,在产业需要、社会效果和法律实施等多个层面均有公法规制不可替代的价值与优势。以"电商+网贷"为代表的大学生网络信贷消费迅猛发展、"双刃剑"效应突出,而当下强化公法规制的效果有限且负外部性明显,应探索相应的私法规制路径。大学生在法定层面的民事行为能力与其在实践层面的消费认知能力之间存在不同程度的落差。应采取类型化规制的方法,针对特定范围的商品和服务,从合同法的角度将与大学生消费认知能力明显不相适应的买卖合同归结为效力待定合同,并从消费者权益保护法的角度适当延长大学生行使合同解除权的时限。
[Abstract]:Private law regulation of Internet finance focuses on dispute resolution, rights and interests relief and rule shaping, which is needed in industry. Social effect and law enforcement have irreplaceable value and advantage of public law regulation. With the rapid development of college students' network credit consumption, the effect of "double-edged sword" is prominent. At present, the effect of strengthening the regulation of public law is limited and negative externality is obvious. It is necessary to explore the corresponding path of private law regulation. There is a difference between the civil behavior capacity of college students at the legal level and their consumption cognitive ability at the practical level. For a specific range of goods and services, from the point of view of contract law, the sale contract, which is obviously incompatible with college students' consumption cognitive ability, is reduced to a valid pending contract. And from the angle of consumer rights and interests protection law, the time limit for college students to exercise the right to rescind the contract is properly extended.
【作者单位】： 对外经济贸易大学法学院;
【基金】：教育部中央高校基本科研业务费专项资金资助项目“公共产品供给理念下我国互联网金融产业政策与法制建设的优化及创新研究”(CXTD8-06)的阶段性成果
【分类号】：D923
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本文编号：1677985