个体网络借贷纠纷诉讼解决机制论

发布时间：2018-01-24 21:59

本文关键词： 个体网络借贷纠纷诉讼解决机制民刑并行电子诉讼　出处：《山东大学》2017年硕士论文　论文类型：学位论文

【摘要】：伴随着个体网络借贷行业在监管、诚信体系缺失的环境中迅猛发展,与互联网深度融合的个体网络借贷纠纷数量急剧增长并大量进入诉讼。这一方面成为阻碍行业发展、影响社会稳定的重要因素,另一方面则基于网络化特点给诉讼程序带来挑战。有鉴于此,对于个体网络借贷纠纷诉讼解决的研究具有理论和实践的双重意义。本文主要分为五部分:第一部分,阐述了当前个体网络借贷纠纷的基本特征。当前个体网络借贷纠纷呈现出信息媒介的网络化、法律关系的复杂化、数量的快速增长性、发生的群体性、化解依据的渐趋完善性等特征。信息媒介的网络化是个体网络借贷纠纷较传统群体性纠纷最为显著的特点。第二部分,就个体网络借贷纠纷进行类型化分析。基于纠纷发生原因将个体网络借贷纠纷划分为借款人逾期型纠纷、平台违规欺诈型纠纷、平台系统故障型纠纷。三者在发生规模、争议复杂程度、涉案人数、社会影响等方面也有较大差异。基于债权追索主体将个体网络借贷纠纷划分为自行追索型纠纷和转移追索型纠纷。两类纠纷在诉讼当事人数量以及专业能力等方面有较大差别。第三部分,分析了个体网络借贷纠纷诉讼解决过程中存在的问题。诉讼周期过长、群体性压力化解不力、非诉程序难以发挥效用、在线解决机制落后是当前个体网络借贷纠纷诉讼解决过程中存在的主要问题。第四部分,从价值主体出发确立个体网络借贷纠纷诉讼解决的应然价值目标——妥当解决,兼顾全局。其中妥当解决是内部价值目标,强调个体网络借贷纠纷诉讼解决中法院的高效审理与当事人的低诉讼负担;兼顾全局是外部价值目标,强调个体网络借贷纠纷诉讼解决对于社会秩序的维护以及对于行业治理的引导。第五部分,提出针对个体网络借贷纠纷特点的诉讼机制调整对策。健全个体网络借贷纠纷诉讼解决机制应明确网贷平台所在地可作为争议实际联系地、基于"民刑并行、民刑共存"协调民刑交叉案件审理程序、唤醒代表人诉讼程序、允许出借人与网贷平台之间的任意诉讼担当、充分发挥两个非诉程序效用、健全电子诉讼机制。
[Abstract]:With the individual network lending industry in the regulatory, integrity system in the absence of the environment of rapid development. The number of individual online loan disputes that are deeply integrated with the Internet has increased sharply and entered litigation in a large number. This has become an important factor hindering the development of the industry and affecting social stability on the one hand. On the other hand, based on the characteristics of the network, it brings challenges to the proceedings. The study of individual online loan dispute resolution has both theoretical and practical significance. This paper is divided into five parts: the first part. This paper expounds the basic characteristics of the current individual online loan disputes. The current individual online lending disputes present the network of information media, the complexity of legal relations, the rapid growth of the number, and the occurrence of the group. The network of information media is the most prominent characteristic of individual network loan dispute than traditional group dispute. Part two. Based on the causes of the disputes, the individual online lending disputes are divided into overdue disputes for borrowers and fraudulent disputes for platform violations. Platform system malfunction dispute. Three in the scale, dispute complexity, involved in the number of people. Based on the subject of creditor's claim, the individual internet loan dispute is divided into self-recourse dispute and transfer recourse dispute. The number of litigant parties and the professional ability of the two types of disputes are also different. The third part is the third part. This paper analyzes the problems existing in the process of litigation settlement of individual network loan disputes. The litigation cycle is too long, the group pressure is not resolved effectively, and the non-litigation procedure is difficult to play its role. The backwardness of online resolution mechanism is the main problem in the process of individual online loan dispute litigation. 4th part. From the point of view of the value subject, it is necessary to establish the proper solution to the individual network loan dispute litigation, and to take into account the overall situation. Among them, the proper solution is the internal value goal. It emphasizes the efficient trial of the court and the low burden of the litigant in the settlement of the individual network loan dispute. Taking into account the overall situation is the external value goal, emphasizing the individual network loan dispute litigation for the maintenance of social order and the guidance of industry governance. Part 5th. The author puts forward some countermeasures to adjust the litigation mechanism for the characteristics of individual network loan disputes. To perfect the individual network loan dispute litigation resolution mechanism, it should be clear that the location of the online loan platform can be used as the actual contact place of disputes, based on the "civil and criminal law parallel". The coexistence of civil and criminal law "coordinates the trial procedure of civil and criminal cross cases, awakes the representative litigation procedure, allows the arbitrary litigation between the lender and the network loan platform, gives full play to the utility of the two non-litigation procedures, and perfects the electronic litigation mechanism."
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D925

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