P2P网络借贷纠纷中债权人的民事救济初探

发布时间：2018-05-25 04:05

本文选题：PP网络借贷纠纷 + 债权人　；参考：《法制博览》2016年34期

【摘要】：在金融脱媒、中小微企业及民间个人对资金需求极其旺盛的社会主义市场经济蓬勃发展的大环境下,P2P自传入中国以来便得到了迅速的发展。截至2016年9月,全国P2P网贷平台总数累计达到4278家,看似一片繁荣,但由于我国当前缺乏明确权利义务的高位阶立法以及金融行政部门的有效监管,缺少完善的社会征信体系、平台信息披露机制,使我国P2P网络借贷平台的发展处于野蛮生长阶段,缺乏相对健全的法律和制度环境,导致P2P网络借贷行业存在很多问题,也引发了很多P2P网络借贷纠纷。当投资者的权利受到侵害时,债权人如何运用现有法律法规通过民事司法途径进行有效维权,是当前急需解决的问题,也是引导P2P网络借贷进入合规化运营的重大课题。
[Abstract]:Under the financial disintermediation, the small and medium enterprises and the private individuals to the vigorous development of the socialist market economy, the P2P autobiography has developed rapidly since its entry into China. As of September 2016, the total number of P2P lending platforms in the country has reached 4278, which seems to be prosperous, but because of the lack of clarity of our country at present The high order legislation of the rights and obligations and the effective supervision of the financial administrative department, lack of perfect social credit system and platform information disclosure mechanism make the development of the P2P network lending platform in our country in the stage of barbarism, lack of a relatively sound legal and institutional environment, and lead to the existence of many problems in the P2P network lending industry, and it also causes a lot of problems. When the rights of investors are violated, how to use existing laws and regulations to carry out effective rights through civil judicial channels is an urgent problem to be solved when the rights of investors are violated. It is also a major issue to guide the P2P network loan to enter the regular operation of the P2P network.
【作者单位】：中国矿业大学(北京)文法学院;
【基金】：国家大学生创新训练项目资助(项目编号:C201508001)
【分类号】：D923

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