互联网借贷平台信息披露制度完善研究

发布时间：2018-01-06 17:08

本文关键词：互联网借贷平台信息披露制度完善研究　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：《网络借贷信息中介机构业务活动管理暂行办法》对互联网借贷平台信息披露制度的规定较为笼统,缺乏实际可操作性,而中国互联网金融协会的自律规范虽有细化规定,却又欠缺强制约束力。实践中,各个平台信息披露的自主性较大,呈现披露内容自定、披露范围不一的混乱状态,亦加剧了平台风险,加大了问题平台出现的可能性,导致投资者权益受损严重。可见,现有互联网借贷平台信息披露制度亟待完善。在明确平台法律定位、平衡投融资双方与平台三方利益的基础上,批判性吸收美国先行经验,对我国互联网借贷平台信息披露制度提出完善构想。建议监管部门制定专门的、系统的、具有较强可操作性的信息披露规范指引,以平台、从业机构的发起人、控股股东及其董事、监事、高级管理人员为义务主体,以全面、真实、准确、及时、持续为原则导向,根据平台业务规模、风险控制能力等,设置不同层级善良管理人标准。在借鉴自律规范披露内容明细的基础上,建议平台做好贷后回款管理与披露工作,并可鼓励平台披露一定预测性信息以供投资者决策参考。同时引导平台披露程序规范化,引入国际证监会组织的信息记录维护机制。就法律责任而言,建议确立不同情形下平台与融资方的责任分担制度,并落实"董监高"的连带赔偿责任。关于监管机制,则建议在现有监管框架下,建立披露内容事前备案制度、用户评分制度与公民举报制度,以应对平台信息的易篡改性,并进一步明确政府与市场的关系,继续发挥好行业自律协会的辅助作用。
[Abstract]:The interim measures on the Management of the Business activities of Internet Lending Information intermediary institutions the regulations on the information disclosure system of Internet lending platforms are relatively general and lack of practical operability. Although the self-regulation of China Internet Finance Association has detailed regulations, but it lacks of compulsory binding force. In practice, the autonomy of information disclosure of each platform is greater, and the content of disclosure is self-determined. The chaotic state of disclosing different scope also aggravated the risk of the platform, increased the possibility of the emergence of the problem platform, resulting in serious damage to the rights and interests of investors. The existing information disclosure system of Internet lending platform needs to be improved urgently. On the basis of defining the legal position of the platform and balancing the interests of both parties of investment and financing and the tripartite interests of the platform, this paper critically absorbs the prior experience of the United States. Put forward the perfect conception to the information disclosure system of our country's Internet loan platform, and suggest that the regulatory department should formulate the specialized, systematic, and more operable information disclosure standard guide to the platform, the initiator of the working institution. The controlling shareholders, their directors, supervisors and senior managers are the subject of obligations, which are oriented to the principles of comprehensiveness, truthfulness, accuracy, timeliness and continuity, according to the business scale of the platform and the ability of risk control. Set up different levels of kind-hearted administrator standards. On the basis of the detailed disclosure of self-regulatory standards, it is suggested that the platform do a good job in the management and disclosure of post-loan payback. It can also encourage the platform to disclose certain predictive information for investors' decision-making. Meanwhile, it can guide the standardization of the platform disclosure process and introduce the information record maintenance mechanism of the International Securities Regulatory Commission. As far as legal liability is concerned. It is suggested to establish the liability sharing system between the platform and the financier under different circumstances, and to implement the joint liability of Dong Jiangao. On the regulatory mechanism, it is suggested that it should be under the existing regulatory framework. In order to deal with the easiness of tampering with the information of the platform and further clarify the relationship between the government and the market, the system of pre-filing of disclosure content, the system of user rating and the system of citizen reporting should be established. We will continue to give full play to the auxiliary role of the industry self-discipline association.
【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】：D922.282

【参考文献】