e租宝事件案例分析

发布时间：2018-01-16 13:08

本文关键词：e租宝事件案例分析　出处：《河北大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融依托现代互联网技术为基础,凭借其自身的特点及优势,近几年在我国得以迅速发展,成为传统金融业的重要补充。网贷行业可称为互联网金融的代表,在迅速发展的同时,倒闭和跑路的平台不断出现。其中e租宝平台问题突出,2016年1月11日,深圳经济犯罪侦查局对e租宝以非法吸收公共存款的罪名立案侦查,启动了司法诉讼程序。该案件的影响范围遍布全国31个省市区,涉及到的投资者达90多万,因此备受关注,使其成为具有一定代表性的问题平台。本文以e租宝公司简介和案件回顾为切入点,从投资产品和网贷规模两方面对e租宝平台进行介绍,按照案件的发展过程、资金的主要流向梳理了e租宝案件的侦查过程。通过对该案件的解析,本文重点分析e租宝事件给社会、家庭、互联网金融行业造成的重大影响,了解到e租宝在运行期存在着五大问题:虚假运营、高标的违背互联网金融的初衷、借款项目利率违背利率期限结构理论、资金管理不善、平台从业人员素质不齐;在e租宝倒闭后对投资者以及整个网贷行业都产生了严重的影响,投资者大量资金无法收回、网贷行业名誉扫地。并阐述了e租宝平台存在的虚假宣传、内部风险管控机制不健全、担保模式存在缺陷等内部原因,以及投资者辨别风险能力弱化、政府监管机制不完善等外部原因。这两方面原因是e租宝最终走向刑事案件的主要因素。最后,提出了加强网贷平台内部的风险管控、提高投资者的风险防范能力、完善网贷平台的外部监管体系等建议,以为我国网络借贷行业的发展提供参考和借鉴。
[Abstract]:Internet Finance Based on the modern Internet technology as the foundation, by virtue of its own characteristics and advantages, in recent years China's rapid development, become an important complement to the traditional financial sector. Net loan industry can be said on behalf of the Internet financial, in the rapid development at the same time, the collapse of the platform and running continuously. The rent e treasure platform problems, in January 11, 2016, the Shenzhen Bureau of economic crime investigation rent treasure on e to public deposits illegally charges investigation, launched a judicial procedure. The influence scope of cases throughout the country 31 provinces, involving up to about 900000 investors, so much attention, which has become a representative of the platform. The e rent treasure company profiles and case review as a starting point, from the treasure platform carries on the introduction to the two aspects of investment products and rent e net loan scale, according to the development process of the case, the main funds To sort out the e rent treasure case investigation process. Through the analysis of the case, this paper focuses on the analysis of e rent treasure event to the society, the family, the major financial impact of the Internet industry caused by the learned e, there are five major issues in the operation period of rent treasure: false operation, high standard of the violation of the Internet Financial original loan projects against the interest rate term structure of interest rate theory, funds management platform, quality practitioners do not rent Bao Qi; collapse in E on investors and the net loan industry have had a serious impact, investor funds can not be recovered, the net loan industry reputation. And elaborated the false propaganda e rent treasure platform the internal risk control mechanism is not perfect, guarantee mode defects and other internal reasons, weakening the ability to identify risk and investors, government supervision mechanism is not perfect and other external causes. The two reason is the final rent treasure e The main factors that lead to the criminal cases are: finally, it puts forward suggestions for strengthening the risk management and control within the network loan platform, improving the risk prevention ability of investors, and improving the external supervision system of the network loan platform, so as to provide reference for the development of China's online lending industry.

【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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