我国网络借贷平台监管法律问题研究

发布时间：2018-04-14 04:11

  本文选题：网络借贷平台 + 监管制度　； 参考：《西南科技大学》2015年硕士论文

【摘要】：网络借贷平台是互联网与民间借贷结合的产物,因具有灵活便捷、手续简单、贷款门槛低、收益高等优点,传入我国后,迅速发展,已经具有相当大的规模。然而,网络借贷平台问题频频出现,近年来,先后发生了“淘金贷”、“天力贷”、“家家贷”、“光大信投”等卷款走人的事件,引起了社会各界的广泛的关注。网络借贷平台出现的问题是市场失灵的表现,市场并非万能,让市场主体按照自己的意愿发展容易导致忽视社会利益。因此网络借贷市场需要政府进行监管,以让网络借贷平台健康的发展,更好的履行“普惠金融”的社会责任。目前,我国对于包括网络借贷平台在内的互联网金融立法基本处于空白,网络借贷平台处于法律监管的灰色地带。纵观国外,无论是英国、美国,还是德国、法国,均有专门的机构对网络借贷平台进行监管,并且制定了一系列监管规则,实现了网络借贷行业良性发展。从这些国家的经验可以看出,我国应当从监管的原则、监管法律体系的建立、监管主体的确定和监管内容四个方面对网络借贷平台监管制度进行完善。
[Abstract]:Network lending platform is the product of the combination of Internet and private lending. Because of its advantages such as flexible and convenient, simple procedures, low threshold of loans, high income, and so on, it has developed rapidly and has a considerable scale.However, the network loan platform problem frequently appears, in recent years, has occurred successively "the gold prospecting loan", "the Tianli loan", "the family loan", "the Everbright letter investment" and so on volume money departure event, has caused the social all walks of life widespread concern.The problem of network lending platform is market failure, which is not omnipotent, so it is easy to ignore the social interests by letting the market subject develop according to its own will.Therefore, the online lending market needs to be regulated by the government in order to make the online lending platform develop healthily and fulfill the social responsibility of "inclusive finance".At present, the legislation of Internet finance, including network lending platform, is basically blank in our country, and the network loan platform is in the gray area of legal supervision.Throughout the foreign countries, no matter Britain, America, Germany, France, there are special institutions to supervise the network lending platform, and have formulated a series of regulatory rules to achieve the benign development of the network lending industry.From the experience of these countries, we can see that our country should perfect the supervision system of network lending platform from four aspects: the principle of supervision, the establishment of regulatory legal system, the determination of the main body of supervision and the content of supervision.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923.6
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本文编号：1747639