互联网借贷融资平台审核义务研究

发布时间：2018-01-22 02:59

本文关键词： 互联网借贷融资平台审核义务审核内容法律风险　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网借贷融资的发展在近几年有目共睹,作为新生产业其发展前景一度被大众看好,快速发展的趋势让人赞叹不已。但是近一年来,相关互联网借贷融资平台的跑路事件频发对公众造成了不小的恐慌。作为新事物,在发展初期其监管和发展环境难免有所不足,不少犯罪分子看准其漏洞利用平台做违法犯罪的勾当。由此可见,对于互联网借贷融资的健康有效发展,完善的法律监管体系及其审核显得尤为重要。目前完善的法律体系无法在短时间内出台,因此互联网借贷融资平台的审核义务成了关键点。互联网借贷融资平台的审核义务是平台对政策规范的严格执行以及自我约束发展的重要内容,审核义务的严格有效履行有利于互联网借贷融资平台在业务操作和发展中有效规避法律风险,更有利于平台的可持续发展。审核内容的多样性以及流程的复杂性是对平台审核义务的一大挑战,我国目前并没有系统严格的法律法规来阐明互联网借贷融资平台的审核义务的具体操作流程和内容。研究分为三部分,第一部阐述了互联网借贷融资的定义以及发展至今的状况,从其优劣方面阐述互联网金融,让读者对其有一个基本的认识,随之提出其主要存在的问题和面临的风险,从而引出作为其风控手段之一的互联网借贷融资平台审核义务存在的必要性和重要性;第二部分介绍我国互联网借贷融资平台审核义务的法律分析,阐述了平台的审核内容、标准、范围以及国外知名平台介绍等;第三部分对我国互联网借贷融资平台审核义务提出一些完善建议。审核义务的确立和完善有利于互联网借贷网络融资在未来的发展中符合法律规范,符合社会发展趋势。
[Abstract]:The development of Internet loan financing is obvious to all in recent years, as a new industry its development prospects were once optimistic, the rapid development trend is impressive. But in the past year. The frequent occurrence of related Internet lending and financing platforms has caused a great deal of panic to the public. As a new thing, its supervision and development environment are inevitably inadequate at the beginning of its development. Many criminals see their loopholes in the platform to do illegal and criminal activities. It can be seen for the healthy and effective development of Internet lending and financing. Perfect legal supervision system and its audit is particularly important. At present, the perfect legal system can not be introduced in a short time. Therefore, the audit obligation of the Internet loan financing platform has become the key point. The audit obligation of the Internet loan financing platform is an important content of the platform's strict implementation of policy norms and self-restraint development. The strict and effective implementation of audit obligations is conducive to the Internet loan financing platform in business operations and development to effectively avoid legal risks. More conducive to the sustainable development of the platform. The diversity of audit content and the complexity of the process is a major challenge to the platform audit obligations. At present, China does not have strict laws and regulations to clarify the specific operation process and content of the audit obligations of Internet loan financing platform. The study is divided into three parts. The first part describes the definition of Internet loan financing and its development so far, from its advantages and disadvantages of Internet finance, so that readers have a basic understanding of it. Then it puts forward its main problems and risks, which leads to the necessity and importance of the audit obligation of Internet loan financing platform as one of its risk control means. The second part introduces the legal analysis of the audit obligation of the Internet loan financing platform in China, and expounds the audit content, standards, scope and the introduction of well-known platforms abroad. The third part puts forward some perfect suggestions on the audit obligation of Internet loan financing platform in our country. The establishment and perfection of audit obligation is conducive to the future development of Internet lending network financing in accordance with the legal norms. In line with the trend of social development.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F724.6

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