互联网票据理财的法律问题研究

发布时间：2018-06-17 11:33

本文选题：互联网票据理财 + 合格投资者制度　；参考：《宁波大学》2017年硕士论文

【摘要】：本文主要对互联网票据理财的法律性质、准入制度和投资者保护监管路径等方面展开论述。解析实务中互联网票据理财业务中存在的法律问题,解决论证的前置性问题。并针对第一种法律问题存在的风险即无准入门槛引发的风险提出应对策略。第三部分,分析在融资方违约或平台方侵犯投资者权益时的投资者保护问题,再给出解决措施。第四部分,提出针对互联网票据理财中各方参与者的法律监管建议。第一部分具体分析互联网票据理财实务中存在着哪些法律问题。首先对国内票据理财无准入门槛带来的风险进行论证,并提出自己的观点。其次是深度解析票据收益权转让模式下的票据理财业务其本质是票据资产证券化行为,分析业务开展中的风险,如基础资产票据本身被伪造、被挪用和无法承兑的风险。最后,分析目前法律环境下对票据理财监管缺失产生的影响并明确风险的范围和表现形式。第二部分构建互联网票据理财中参与者的准入制度。首先,通过立法层面、现实需求、技术条件等方面对平台商确立设立条件和准入退出标准。其次,要求融资企业融资前应当符合的客观条件。最后,对投资者需要具备的素质及准入条件提出要求,进一步规范我国互联网票据理财的合格投资者制度。第三部分提出针对投资者权益保障的有建设性的具体措施。互联网金融环境下投资者个人不能有效自主地进行权利保护,针对这一主要问题衍生出一系列法律规制方面的不足。文章将针对这些不足及如何保障个人投资者在权益从票据资产证券化的角度提供切实可行的制度措施。第四部分主要是对票据理财平台的监管建议。所谓无监管不金融,只有有限监管才能保证互联网金融的生命力,因此有必要研究平台违规行为的认定及违规时的责任分配问题。监管的核心点之一是建设交易中的信息强制披露制度。此外,还提出要引入外部信用评级机制,提高投资人的风险识别能力,从而保障投资者利益。
[Abstract]:This paper mainly discusses the legal nature of Internet bill financing, the access system and the path of investor protection and supervision. This paper analyzes the legal problems existing in the Internet bill financing business and solves the presupposition problem of argumentation. At the same time, the author puts forward the countermeasures against the risk of the first kind of legal problem, that is, the risk caused by no entry threshold. The third part analyzes the investor protection problem when the financing party defaults or the platform party invades investors' rights and interests, and then gives the solution. In the fourth part, the author puts forward some suggestions on the legal supervision of the participants in Internet Bill financing. The first part concretely analyzes what legal problems exist in the practice of Internet bill financing. First of all, the paper demonstrates the risk of domestic bill financing without entry threshold, and puts forward its own point of view. Secondly, the paper deeply analyzes the essence of the bill financing business under the model of the transfer of the income right of the bill, and analyzes the risks in the development of the business, such as the risk that the basic asset bill itself is forged, misappropriated and can not be accepted. Finally, the paper analyzes the influence of the lack of financial supervision on bill financing under the current legal environment, and clarifies the scope and manifestation of the risk. The second part constructs the access system of participants in Internet bill financing. First of all, through the legislative level, realistic demand, technical conditions and other aspects of the platform to establish conditions and access to exit criteria. Secondly, require financing enterprises before financing should be in line with the objective conditions. Finally, the quality and access conditions of investors are required to further standardize the QFII system of Internet bill financing in China. The third part puts forward constructive and concrete measures to protect investors' rights and interests. Individual investors can not protect their rights effectively and autonomously under the Internet financial environment, which gives rise to a series of deficiencies in legal regulation. This paper aims at these deficiencies and how to protect individual investors' rights and interests from the point of view of securitization of instruments assets to provide practical institutional measures. The fourth part is mainly on the bill financing platform regulatory recommendations. Only the limited supervision can guarantee the vitality of Internet finance, so it is necessary to study the identification of the illegal behavior of the platform and the distribution of responsibility when violating the regulations. One of the core points of supervision is the mandatory disclosure of information in construction transactions. In addition, the external credit rating mechanism should be introduced to improve the risk identification ability of investors so as to protect the interests of investors.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.287

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