P2P网络贷款中债权转让模式的风险研究

发布时间：2018-07-15 19:55

【摘要】：P2P网络贷款是起源于互联网技术不断发展,而利用互联网技术的信息传达的高效性和广泛性使得市场中需要融资的一方和有闲散资金的一方进行有效的资源匹配的金融活动,它是以广泛的融资需求,又借以高速发展的互联网技术,加之具有高收益率,无抵押担保,方便快捷等特性的贷款。随着互联网的发展,特别是电子商务技术的不断发展,p2p网络贷款机构也不断的涌现出来,其业务规模也不断壮大。其可能带来的风险状况也是值得我们进行研究的。本文主要分为四个部分内容:第一部分,主要是界定P2P网络贷款概念。首先与传统贷款和小额贷款的比较分析P2P网络贷款的概念和现有的商业模式,指出尽管目前P2P网络贷款尚未有权威的定义,但根据其性质来说,P2P网络贷款公司是广义上的金融机构。其次分析P2P网络贷款所有的优点即:信息快,交易便捷,贷款门槛低,涉及面广;和缺陷即:高利率、风险高,信用风险,缺乏有效监管手段。第二部分,主要是介绍现行我国主要存在的P2P网络贷款模式,即单纯中介型、中介担保型和债权转让模式。分析各种模式的主要特点和法律关系之后,指出现行P2P网络借贷平台中,风险最大的是债权转让模式。第三部分,主要分析在传统的债权转让制度存在的问题后提出,债权转让模式中以现行法律制度下借贷债权人可能面对的法律风险。首先提出了,采用债权转让模式可能发生四种的风险:债权转让模式法律定位模糊带来的风险;存在非法吸收公众存款、非法集资的可能;投资人资金账户管理混乱的风险;P2P网络贷款平台成为洗钱平台的可能。其次分析了P2P网络贷款平台共有的风险:一、存在泄露贷款人和借款人隐私的可能;二、借款人的信用风险;三、经营风险。第四部分,笔者结合前文论述与国外P2P网络贷款监管经验的基础上首先提出要加强对P2P网络贷款特别是对采用债权转让模式的P2P网络贷款平台的监管。其次提出了具体需要加强监管几个方面和措施。
[Abstract]:P2P network loan is originated from the continuous development of Internet technology, and the efficiency and extensiveness of the information conveyed by Internet technology make the party in the market who needs financing and the party with idle funds to carry out effective financial activities of resource matching. It is a wide range of financing needs, but also through the rapid development of Internet technology, coupled with a high yield, unsecured, convenient and rapid characteristics of loans. With the development of the internet, especially the development of e-commerce technology, the network loan institutions of P2P are also emerging, and their business scale is also growing Its possible risk situation is also worthy of our study. This paper is divided into four parts: the first part is to define the concept of P2P network loan. First of all, compared with traditional loans and micro-loans, the concept of P2P network loans and existing business models are analyzed, and it is pointed out that although there is no authoritative definition of P2P network loans at present, But according to its nature, P2P network loan company is a financial institution in a broad sense. Secondly, the paper analyzes the advantages of P2P network loan, that is, fast information, convenient transaction, low loan threshold and wide coverage; and shortcomings: high interest rate, high risk, credit risk, lack of effective regulatory means. The second part mainly introduces the existing P2P network loan mode in our country, that is, simple intermediary type, intermediary guarantee type and creditor's right transfer mode. After analyzing the main characteristics and legal relationship of various models, it is pointed out that the transfer of creditor's rights is the most risky model in the current P2P network lending platform. The third part mainly analyzes the problems existing in the traditional creditor's rights transfer system and points out the legal risks that the creditor may face in the mode of creditor's rights transfer under the current legal system. Firstly, four kinds of risks may occur in the mode of creditor's rights transfer: the risk brought by vague legal position of creditor's rights transfer model, the possibility of illegally absorbing public deposits and illegally raising funds; The risk of confusion in the management of investor's fund account. P2P network loan platform becomes the possibility of money laundering platform. Secondly, it analyzes the common risks of P2P network loan platform: first, there is the possibility of revealing the privacy of lenders and borrowers; second, the credit risk of borrowers; third, operating risks. In the fourth part, the author first proposes to strengthen the supervision of P2P network loan, especially the P2P network loan platform based on the previous discussion and foreign P2P network loan supervision experience. Second, the specific need to strengthen the supervision of several aspects and measures.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923

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