P2P个体网络借贷中的法律问题研究

发布时间：2019-01-07 07:06

【摘要】：P2P个体网络借贷作为互联网金融的主要方式之一,和众筹、第三方支付、大数据金融、信息化金融机构、金融门户、数字货币等共同推动着互联网金融产业蓬勃发展。P2P个体网络借贷作为民间借贷的特殊形式,即传统线下进行的民间借贷通过互联网转换为线上。P2P个体网络借贷具有成本低、效率高、覆盖广、发展快这些优点,补充了传统金融机构,有效利用了闲置的个人资金。同时,P2P个体网络借贷有监管薄弱、风险较大的缺陷。在网络借贷主体中,借款人、贷款人之间存在借款合同关系,贷款人与网络借贷平台之间存在着债权转让关系、网络借贷平台与借贷双方存在着居间合同关系、担保关系等较为复杂的法律关系。在出现借贷双方合同违约、网络借贷平台违约时,需要完善的法律制度规范各方当事人之间的权利义务关系,从而确定违约方的违约责任以及对受害方的损害赔偿。同时,需要完善我国对于个体网络借贷平台的监管制度。本文通过分析P2P个体网络借贷的基本概念、法律关系、违约风险以及相关制度的完善,优化P2P个体网络借贷目前的法律制度建设情况,解决实务操作中的问题。P2P个体网络借贷作为互联网金融的一种新类型,突破了传统民间借贷线下活动的模式,不论是单纯中介型还是复合中介型,在民商法角度,网络借贷所蕴藏的法律风险以违约形式大量出现。通过查阅我国目前的民商事法律法规以及相关司法解释,本作者从分析个体网络借贷平台主体的法律关系入手,罗列出各方当事人之间存在的主要的法律风险,通过解析法律风险从动态和静态角度完善我国关于P2P个体网络借贷的法律制度以及监管机制。
[Abstract]:P2P individual network lending is one of the main ways of Internet finance, and crowdfunding, third-party payment, big data finance, information financial institutions, financial portals, As a special form of private lending, traditional online private lending is converted to online through the Internet. P2P individual network lending has low cost. The advantages of high efficiency, wide coverage and rapid development complement traditional financial institutions and effectively utilize idle personal funds. At the same time, P2P individual network lending has the defects of weak supervision and high risk. In the network lending subject, the borrower and the lender have the loan contract relationship, the creditor and the network loan platform have the creditor's rights transfer relation, the network loan platform and the loan both sides have the intermediary contract relation. Security relationship and other more complex legal relations. In the event of breach of contract between the two parties and breach of contract by the online lending platform, it is necessary to regulate the relationship between the rights and obligations of the parties concerned by a perfect legal system, so as to determine the breach liability of the defaulting party and the compensation for damages to the aggrieved party. At the same time, we need to improve the regulatory system of individual online lending platform. By analyzing the basic concept of P2P individual network lending, legal relationship, default risk and the perfection of relevant system, this paper optimizes the current legal system construction of P2P individual network loan. As a new type of Internet finance, P2P individual network lending breaks through the traditional mode of folk lending activities under the line, whether it is pure intermediary type or composite intermediary type, in the perspective of civil and commercial law, P2P individual network lending is a new type of Internet finance. The legal risk of network loan appears in the form of breach of contract. By consulting the current civil and commercial laws and regulations and related judicial interpretations, the author starts with the analysis of the legal relationship of the main subjects of the individual network lending platform, and lists the main legal risks between the parties. By analyzing the legal risk, we improve the legal system and supervision mechanism of P2P individual network borrowing from the dynamic and static point of view.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.282

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