网络消费信贷平台违约问题研究

发布时间：2018-03-25 00:32

本文选题：网络消费信贷　切入点：附随义务　出处：《安徽财经大学》2017年硕士论文

【摘要】：网络消费信贷是指网络上的“消费金融”类产品,即购物网站根据消费者交易数据,对消费者进行授信,并根据信用额度为其在线上购物提供有偿或无偿的延期支付或分期支付服务的一种产品,如:“京东白条”、“蚂蚁花呗”、“苏宁任性付”等。网络消费信贷平台在整个网络消费信贷业务中起着核心作用居于主导地位,由于平台自身的逐利性和监管的滞后性及法律规范的空位导致平台在网络消费信贷业务的开展中可能存在着诸多的违约行为。本文主要是针对网络消费信贷平台的附随义务、消费者账号风险报告及责任分担中平台的默示约定义务以及平台对消费者的抗辩权约定条款的切断等平台违约形态进行研究,分析平台违约原因及其所应承担责任的法理基础,同时对平台违约问题的解决提出切实的法律建议。除绪论外本文具体包括以下四个部分:第一部分是关于网络消费信贷基本理论的阐述。网络消费信贷有着不同于传统消费信贷的概念和特征,构成自身独有内涵。对网络消费信贷法律关系进行研究额可以更好的把握其本身的运作流程和模式也是研究网络消费信贷平台违约问题的基础。第二部分着眼于对网络消费信贷平台主要违约问题的提出。消费金融平台应对消费者负有公开、告知、保密等合同附随义务;消费者使用的网络消费信贷账号如若发生被盗用的情况,所带来的风险也是不可估量的,这其中也就必然涉及责任的划分和承担问题;当前各网络消费信贷平台对消费者抗辩权切断条款的存在,加大了处于弱势地位的消费者在网络消费信贷履行中的交易风险,在实践中具有不合理性。第三部分主要研究了网络消费信贷平台违约行为产生的原因及平台承担违约责任的法理基础。平台违约行为产生的原因是多方面的,对违约行为的认定和证据的取得以及责任承担主体的明确都是有待解决的现实问题。平台因自身直接或间接违约行为导致的相对人损害承担相应责任,在法理层面有客观基础和法理依据及一般性的归责原则,构成平台承担违约责任的法理基础。第四部分主要针对前述网络消费信贷平台出现主要违约形态提出相应的应对措施。要明确网络消费信贷平台违反合同附随义务的法律责任,对平台披露消费者申请条件及授信额度标准的义务进行规制,同时实现平台对消费者信息的有效保护并依照违约责任承担的法理基础合理分配消费者账号风险责任。此外,应对消费金融平台的抗辩权切断条款进行合理限制,明确对消费者向平台提出的抗辩权予以确认及保护的特殊情形,完善违约方面的立法规定及取证机制。
[Abstract]:Online consumer credit refers to "consumer finance" products on the network, that is, shopping websites grant credit to consumers according to consumer transaction data. A product that provides a paid or unpaid deferred payment or installment payment service for its online purchases according to its credit line. For example, "JingDong's white stripes", "ants flowers", "JingDong's willful payment" and so on. The online consumer credit platform plays a central role in the entire online consumer credit business. There may be many violations of the platform in the development of online consumer credit business due to its profit-driven nature, the lag of supervision and the vacancy of legal norms. This paper is mainly aimed at the collateral obligations of the online consumer credit platform. The implied contractual obligations of the platform and the disconnection of the agreed terms of the consumers' right of defense in the consumer account risk report and liability sharing are studied in order to analyze the causes of the platform breach and the legal basis of the liability. Besides the introduction, this paper includes the following four parts: the first part is about the basic theory of online consumer credit. Based on the concept and characteristics of traditional consumer credit, Constitute its own unique connotation. The research on the legal relationship of online consumer credit can better grasp its own operation process and mode is also the basis of the study of online consumer credit platform default. The second part focuses on the issue of online consumer credit. Consumer finance platform should be open to consumers. To inform, confidentiality and other contracts are accompanied by obligations; if the online consumer credit account used by consumers is embezzled, the risks will be incalculable, which will inevitably involve the division of responsibility and the assumption of responsibility; At present, the existence of various online consumer credit platforms cutting off consumers' right of defense has increased the transaction risk of consumers in a weak position in the performance of online consumer credit. The third part mainly studies the causes of online consumer credit platform breach of contract and the legal basis of the platform to bear the responsibility for breach of contract. The causes of the platform breach of contract are various, the third part mainly studies the causes of the online consumer credit platform breach of contract and the legal basis for the platform to bear the responsibility for breach of contract. The identification of breach of contract, the acquisition of evidence and the determination of the subject of liability are all practical problems to be solved. The platform bears the corresponding liability for the damage caused by its own direct or indirect breach of contract. At the legal level, there is an objective basis, a legal basis and a general principle of imputation. In the fourth part, the author puts forward the corresponding measures to deal with the main breach of contract on the above mentioned online consumer credit platform. It is necessary to make clear the legal liability of the online consumer credit platform for violating the contractual collateral obligations. It regulates the obligation of the platform to disclose consumer application conditions and credit quota standards, and realizes the effective protection of consumer information on the platform and reasonably distributes the risk liability of consumer account according to the legal basis of liability for breach of contract. The defense right of consumer financial platform should be restricted reasonably, the special circumstances of confirming and protecting the right of defense put forward by consumers to the platform should be clarified, and the legislative provisions and the mechanism of obtaining evidence of breach of contract should be perfected.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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