我国P2P网贷的风险及其法律规制

发布时间：2018-06-13 14:14

本文选题：PP网贷平台 + 借款人违约　；参考：《西南金融》2015年09期

【摘要】：在P2P网贷的运作过程中,出借人面临着借款人违约以及网贷平台自身的运营风险,而借款人则面临着隐私泄漏以及其他与传统融资渠道相类似的风险。一个理想的P2P网贷的法律规制模式应当是在不抑制P2P网贷行业持续创新能力的同时为出借人以及借款人提供充分的权益保护。在出借人的利益保护方面,应当着力解决出借人与借款人之间信息不对称的问题,以有效防范借款人违约的风险;同时,针对我国P2P平台异化的特殊问题,应当防止由平台越界经营而给出借人所带来的权益风险。在借款人利益的保护方面,有必要强化P2P平台在收集、使用以及管理借款人个人信息方面的审慎义务,以防范借款人的隐私泄露;同时,还应兼顾防范P2P行业所存在的条款误导、信贷歧视以及不当催收债务等与传统融资渠道相类似的风险,以全面维护平台客户的合法权益。
[Abstract]:In the process of P2P network loan, the lender is faced with the borrower default and the operation risk of the network loan platform, while the borrower faces the risk of privacy leakage and other similar to the traditional financing channel. An ideal legal regulation model of P2P network loan should be to provide sufficient protection for lenders and borrowers while not restraining the continuous innovation ability of P2P network loan industry. In the aspect of protecting the interests of lenders, we should focus on solving the problem of information asymmetry between lenders and borrowers in order to effectively prevent the risk of borrowers defaulting, and at the same time, aiming at the special problems of alienation of P2P platforms in China. Risks to the lender's rights and interests arising from the operation of the platform across the border shall be prevented. With regard to the protection of borrowers' interests, it is necessary to strengthen the prudential obligation of P2P platforms to collect, use and manage the borrower's personal information in order to prevent the disclosure of the borrower's privacy; at the same time, In order to protect the legitimate rights and interests of platform customers, we should take into account the risk of misguided terms in P2P industry, credit discrimination and improper debt collection, which are similar to those of traditional financing channels.
【作者单位】：西南财经大学;成都金融街企业家协会;
【基金】：四川省哲学社会科学重点研究基地中国金融法研究中心年度规划项目“四川省P2P网贷平台的风险及其法律规制”(编号:SC13E062)的资助
【分类号】：D922.28;F724.6;F832.4

【参考文献】