我国P2P网络借贷平台模式类型化研究

发布时间：2018-04-19 05:22

本文选题：网络借贷平台 + 运营模式　；参考：《延边大学》2017年硕士论文

【摘要】：近年来网络借贷行业在我国发展的较为活跃,网贷平台的持续发展与不断壮大,更是带动了整个网贷行业市场的繁荣与兴盛。但由于网络借贷平台是一种新兴的借贷模式,我国对于这个方面进行监管的法律法规还不够完善,对于平台模式的性质界定不明确,造成了行业混乱的局面。虽然我国已经出台了类似于《网络借贷信息中介机构业务管理暂行办法》等监管文件,来对这一行业进行监管,但是文件中对于这一行业业务模式的界定依旧不够全面和清晰,还无法良好的引导整个行业的发展。因此,本文将结合我国现行的金融监管环境和相关立法规制,对P2P网络借贷平台的模式进行分析,并对不同模式分别进行定性,来更好认识平台在我国发展中形成的多种模式及其各自性质,并通过完善我国对网贷平台的相关立法,积极引导网贷行业的发展。本文共分为四个章节。第一章是本文的绪论部分,主要通过介绍国内外网贷平台的研究现状,发现目前国内外对于平台模式和性质的研究较少,尤其是在我国国内,缺乏对各种模式的分类研究和性质的界定,从而得出对该领域进行探讨的必要性,并奠定了文章的整体基调,明确了下文的研究范围。第二章是对我国网贷平台内容的相关概述。简言之,P2P网络借贷平台就是"促成借贷双方完成交易的网络媒介",通过对其立法现状进行分析,可知目前我国并没有专门针对该领域的法律法规。目前专门对其进行管制的通常是部委规章和监管性文件,这些文件表明监管部门倾向于将平台定性为中介性质,只承认了纯中介的运行模式,忽略了对其他模式的分别定性,这种片面性认识不利于网贷行业的长远发展,因此再次重申对平台不同模式分别进行定性的必要性。第三章是对我国网贷平台模式的分类和性质分析。该部分是文章的重中之重,是对网贷平台类型化的分析,其中侧重于对平台模式性质的分析。首先,对"纯线上、线上线下相结合、债权转让、担保"等国内现存模式进行介绍,分析其优缺点。其次,为了便于从法律角度展开研究,根据平台在借贷交易中扮演的角色和对现存模式的高度概括,将从"纯中介、担保、债权转让"模式进行分析。最后,对中介模式的平台定性为居间性质和贷款人的代理性质;对债权转让的平台模式界定为资产证券化性质;鉴于担保的平台模式兼具信用和信息中介的双重功能,此类模式的平台与金融机构功能形似却不相同,建议将其归为金融服务机构。第四章结合前文对平台模式的分析,对今后国内P2P网贷行业的良好发展给出立法改进建议。在对平台进行立法时,舍弃对平台模式的片面认识,应对平台的三种模式进行认可并分别定性,对平台模式形成整体认知。对中介模式的法律规制中,不要以模糊的"中介机构"用语,而是要具体化为居间性质和代理性质,同时对平台义务的设定要兼具两者,尽量给出详细具体的规定;对债权转让模式进行规制时,要注意结合证券法的相关内容,明确此种运行模式的平台要获得有关部门的许可方能开展业务,同时为了规范该模式中的放贷行为,我国要加快出台《放贷人条例》,此外该模式应借鉴证券投资领域对投资者资质的规定,即投资者是否符合相应资质,平台可以根据具体情况来设定资质标准;对于担保模式平台,出于对出借人的保护,应对《担保法》的相关规定进行适度扩大解释,如将平台进行的担保宣传行为视为担保的一种情形。
[Abstract]:In recent years, the network lending industry development in China is relatively active, growing and sustainable development of net loan platform, but also promote the prosperity of the whole net loan industry market. But because of the network lending platform is a new mode of lending, China for this aspect of legal regulation is not perfect. The nature of the platform model is not clearly defined, resulting in industry chaos. Although China has already issued a similar to the "business management information network lending agency Interim Measures > and other regulatory documents, to the supervision of the industry, but the document to define the industry business model is still not comprehensive and clear. Development is not a good guide to the entire industry. Therefore, this paper will combine the current financial regulatory environment in China and the relevant laws and regulations, carries on the analysis to the P2P network lending platform mode, And the different modes were qualitative, to better understand the formation of the platform in the development of our various models and their properties, and by improving the relevant legislation of the net loan platform in China, and actively guide the development of net loan industry. This paper is divided into four chapters. The first chapter is the introduction, mainly through the present research situation of domestic net loan platform, found at home and abroad for the platform model and the nature of the less, especially in our country, the lack of definition classification and properties of various modes, thus it is necessary to study in this field, and establish the overall tone of the article, defined the scope of the study. Below. The second chapter is an overview of the content of China's net lending platform. In short, the P2P network lending platform is "borrowing contributed to the completion of the transaction network media", based on the current legislation The analysis shows that, at present there is no law specifically for the laws and regulations. The special control on them are usually ministries rules and supervisory documents, these documents show that regulators tend to be characterized as platform intermediary nature, only to admit that the operating mode of pure intermediary, ignoring the other modes are qualitative this kind of one-sided understanding, is not conducive to long-term development of net loan industry, so again the necessity of different modes of platform were qualitative. The third chapter is the classification and Properties Analysis of China's net loan platform model. This part is the priority among priorities of the article, is the analysis of the net loan platform type. Which focuses on the analysis of the nature of the platform model. First, the "pure online, combining online and offline, assignment of creditor's rights, guarantee" and the existing models are introduced, their advantages and disadvantages are analyzed. Secondly, in order to facilitate from the legal angle The degree of research, according to the platform to play in the lending business roles and summarizes the existing patterns, will be secured from pure intermediary, analyze the debt transfer mode. Finally, the platform of qualitative model for the intermediary agent nature intermediary nature and the lender; the transfer of creditor's rights is defined as asset securitization platform model in view of nature; dual function guarantee platform mode both credit and information intermediary platform, such patterns and financial institutions shape function is not the same, should be classified as financial services. In the fourth chapter, combined with the above analysis on the platform model, good suggestions for future development are the legislation of the domestic P2P net loan industry. On the legislation of the platform, abandon the one-sided understanding of the platform mode, three modes of coping platform were recognized and are qualitative, form the overall cognition to the platform of intermediary mode mode. In legal regulation, not to obscure "intermediary", but to be specific properties and intermediary agent nature, at the same time on the platform set to both the obligation, to give detailed provisions; the regulation of debt transfer mode, pay attention to the relevant content of the securities law, the specific operation mode the relevant departments of the platform to get permission to do business at the same time, in order to regulate the lending behavior in the model, China should accelerate the introduction of "lending regulations", in addition to the model reference to investors the securities investment, the investor meets the corresponding qualifications, the platform can be set according to the specific qualification standards for guarantee; model platform, in order to protect the lender, the relevant provisions of "guarantee law" should appropriately expand the interpretation of such as the platform security propaganda behavior as a guarantee A situation.

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

【参考文献】