P2P网贷平台异化经营的法律规制
发布时间：2019-01-18 17:32
【摘要】：P2P网贷是互联网金融的典型代表。当今"互联网+"已成为大众创业、万众创新的重要媒介,P2P网贷在繁荣民间金融市场、促进金融民主、发展普惠金融、鼓励金融创新等方面具有重要意义。但我国P2P网贷平台存在普遍异化经营的现象,严重偏离"信息中介"的法律性质。其原因主要是法律监管主体及其职责不明确,市场准入与退出法律制度不完善,信息披露与保护法律制度不健全,缺乏资金安全性标准,行业自律监管不足。因此应明确P2P网贷平台作为信息服务中介的定位,将银监会和地方金融监管部门共同作为其监管部门,完善P2P网贷平台的市场准入备案和破产清算管理制度,建立资金第三方存管制度,并要构建以政府监管和行业协会自律监管相结合的混合模式,完善P2P网贷平台"异化"经营的法律规制内容。
[Abstract]:P2P network loan is a typical representative of internet finance. Nowadays, "Internet" has become an important medium for mass entrepreneurship and innovation. P2P network lending is of great significance in prospering the private financial market, promoting financial democracy, developing inclusive finance and encouraging financial innovation. However, the phenomenon of universal alienation of P2P network loan platform deviates from the legal nature of "information intermediary". The main reasons are that the subject of legal supervision and its responsibilities are not clear, the legal system of market access and withdrawal is not perfect, the legal system of information disclosure and protection is not perfect, the safety standard of funds is lacking, and the self-regulation of industry is insufficient. Therefore, it is necessary to define the position of P2P network loan platform as an information service intermediary, take CBRC and local financial supervision department as its regulators, and perfect the market access filing and bankruptcy liquidation management system of P2P network loan platform. In order to set up the third party fund management system and build the mixed mode of government supervision and trade association self-regulation, we should perfect the legal regulation content of P2P network loan platform's "alienation" operation.
【作者单位】： 昆明理工大学法学院;
【分类号】：D924.3
本文编号：2410943
[Abstract]:P2P network loan is a typical representative of internet finance. Nowadays, "Internet" has become an important medium for mass entrepreneurship and innovation. P2P network lending is of great significance in prospering the private financial market, promoting financial democracy, developing inclusive finance and encouraging financial innovation. However, the phenomenon of universal alienation of P2P network loan platform deviates from the legal nature of "information intermediary". The main reasons are that the subject of legal supervision and its responsibilities are not clear, the legal system of market access and withdrawal is not perfect, the legal system of information disclosure and protection is not perfect, the safety standard of funds is lacking, and the self-regulation of industry is insufficient. Therefore, it is necessary to define the position of P2P network loan platform as an information service intermediary, take CBRC and local financial supervision department as its regulators, and perfect the market access filing and bankruptcy liquidation management system of P2P network loan platform. In order to set up the third party fund management system and build the mixed mode of government supervision and trade association self-regulation, we should perfect the legal regulation content of P2P network loan platform's "alienation" operation.
【作者单位】： 昆明理工大学法学院;
【分类号】：D924.3
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