我国民间网络借贷平台法律制度研究

发布时间：2018-11-21 14:57

【摘要】：随着互联网技术以及经济社会的发展,我国第一家网络借贷平台拍拍贷于2007年6月在上海开始上线运行。我国的网络借贷经过7年多发展,已经形成了相当数量规模的网络借贷平台,总体成交金额突破2000多亿①,成为民问金融的重要力量。但是,从网络借贷平台的具体经营来看,我国的网络借贷平台尚没有形成统一的经营规则,原因在于我国没有网络借贷方面的法律法规,法律监管处于空白状态。2013年是“互联网金融元年”②。李克强总理在2014年3月5日的政.府工作报告中提出：“要促进互联网金融的健康发展”。互联网金融在政府工作报告中首次出现即引起了广泛关注,这不仅表明互联网金融这一概念被普遍认可,同时也说明互联网金融这一新的经济表现形态已经成为当前社会经济发展形态的重要组成部分。网络借贷作为互联网金融的主要表现业态之一③,其发展的健康与否关系到整个互联网金融的发展前景。由于网络借贷平台法律制度的缺失所导致的问题(诸如借贷平台跑路、提现困难等)比比皆是。本文将对我国网络借贷平台进行实证分析,即深入网络借贷平台进行借贷实践,梳理出网络借贷平台从市场准入到市场退出整个过程的法律问题,并提出相应的解决对策,以期对我国的网络借贷方面的立法和实践有所助益。本文的主要内容如下：第一章是我国民间网络借贷平台的概述。首先介绍网络借贷的起源与发展,分别介绍英国、美国和我国的网络借贷平台发展情况；然后介绍我国网络借贷平台的主要运营模式,在此基础上对我国的网络借贷平台的法律性质进行分析,并得出我国的网络借贷平台是具有中介性质的准金融机构的结论。第二章是我国民间网络借贷平台市场准入方面的法律问题及解决对策。本部分首先介绍了我国当前的网络借贷平台市场准入,然后说明在这过程中市场准入规则的缺失,最后针对网络借贷平台的性质提出相应的市场准入机制建议。第三章是我国民间网络借贷平台在运营中的主要法律问题及解决对策。首先,通过对我国网络借贷平台进行梳理分析,发现其在运行过程中存在的法律问题主要表现为民间借贷法律制度不健全、民间网络借贷平台法律监管的缺位以及网络借贷过程中存在非法集资和洗钱犯罪等问题。然后,针对我国民问网络借贷中存在的法律问题,提出相应的解决方案。第四章是我国民间网络借贷平台市场退出机制和债权人利益保护。民间网络借贷平台的市场退出机制是民间网络借贷平台市场健康发展的一个重要条件,笔者在此部分提出对民间网络借贷平台市场退出机制进行重构。此外,民问网络借贷的债权人利益保护问题贯穿于网络借贷过程的始终,笔者对此问题进行单独讨论。最后是结语部分。
[Abstract]:With the development of Internet technology and economy and society, PPDAI, the first online lending platform, began to operate online in Shanghai in June 2007. After more than 7 years' development, China's network lending has formed a considerable number of network lending platform, the total transaction amount of more than 200 billion, become an important force in public finance. However, from the perspective of the specific operation of the network lending platform, our country's network lending platform has not yet formed a unified operating rule. The reason is that our country does not have laws and regulations in the area of network lending. Legal regulation is in blank. 2013 is the first year of Internet finance 2. 5%. Premier Li Keqiang took office on March 5, 2014. Government work report put forward: "to promote the healthy development of Internet finance." The first appearance of Internet finance in the government work report has aroused widespread concern, which not only indicates that the concept of Internet finance is generally accepted. At the same time, it also shows that Internet finance, a new form of economic performance, has become an important part of the current form of social and economic development. As one of the main performance forms of internet finance, the development of internet loan is related to the development prospect of internet finance. Problems caused by the lack of legal system of online lending platforms (such as running away from lending platforms, difficulties in cash recovery, etc.) abound. This article will carry on the empirical analysis to our country's network loan platform, that is to go deep into the network loan platform to carry on the loan practice, combs out the network loan platform from the market access to the market exit entire process legal question, and puts forward the corresponding solution countermeasure. With a view to our country's network lending legislation and practice has been helpful. The main contents of this paper are as follows: the first chapter is an overview of Chinese private network lending platform. Firstly, it introduces the origin and development of online lending, and introduces the development of online lending platforms in the United Kingdom, the United States and China respectively. Then it introduces the main operating mode of our country's network lending platform, and then analyzes the legal nature of our country's network lending platform, and draws the conclusion that our country's network lending platform is a quasi-financial institution with intermediary nature. The second chapter is the legal problems and solutions to the market access of China's private network lending platform. This part first introduces the current market access of China's network lending platform, then explains the lack of market access rules in the process, and finally puts forward the corresponding market access mechanism suggestions for the nature of the online lending platform. The third chapter is the main legal problems and solutions of the private network lending platform in our country. First of all, through the analysis of China's network lending platform, we find that the main legal problems in the process of its operation are that the legal system of folk lending is not perfect. The absence of legal supervision of the private network lending platform and the existence of illegal fund-raising and money laundering in the process of network lending. Then, the author puts forward the corresponding solutions to the legal problems existing in the network loan. The fourth chapter is the exit mechanism of private network lending platform and the protection of creditors' interests. The market exit mechanism of the private network lending platform is an important condition for the healthy development of the private network lending platform market. In this part, the author proposes to reconstruct the market exit mechanism of the private network lending platform. In addition, the protection of creditors' interests in online borrowing runs through the whole process of online lending, and the author discusses this issue separately. The last part is the conclusion.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923

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