本文選題：P2P網貸 + 普惠金融　； 參考：《華僑大學》2017年碩士論文

【摘要】：我國P2P網絡借貸是信息時代金融創(chuàng)新的產物,通過將互聯(lián)網技術與民間借貸相結合,突破地域的限制,拓寬民間借貸業(yè)務邊界,主要為那些在傳統(tǒng)金融機構中融資能力受限的個人和中小企業(yè)提供借貸服務,既收獲了長尾市場帶來的豐厚利潤也實現(xiàn)了國家發(fā)展普惠金融的政策意義。從2007年國內第一家網貸平臺拍拍貸上線至今,我國的網貸行業(yè)一直呈現(xiàn)迅猛增長的發(fā)展態(tài)勢,加之監(jiān)管缺失的大環(huán)境背景,各路資金涌入P2P網貸行業(yè),同時平臺跑路事件也屢見不鮮。隨著網貸行業(yè)的不斷發(fā)展,業(yè)務異化出各種模式,網貸行業(yè)風險也因杠桿或外包轉嫁等因素放大而難以控制。因而,該如何對P2P網貸平臺施行適度而有效的法律監(jiān)管,是當下亟需解決且具有現(xiàn)實意義的一項重要課題本文首先從我國P2P網貸的起源及特征入手,對行業(yè)的發(fā)展現(xiàn)狀作簡要概述,對國內網貸的運營模式作系統(tǒng)梳理,以期全面分析目前國內網貸平臺在運營過程中存在的主要風險。其次,通過對“不當行為”的概念界定并將違法行為、犯罪行為與之進行比較,明確“不當行為”在本文語境下的含義,繼而結合典型案例將國內P2P網貸平臺存在的不當行為進行歸類,指出現(xiàn)行國內立法對網貸平臺規(guī)制的不足。最后通過對英美韓治理經驗的考察與借鑒,提出契合我國國情和網貸行業(yè)發(fā)展實際的一系列完善設想和改進意見。
[Abstract]:P2P network lending in China is the product of financial innovation in the information age. By combining Internet technology with private lending, we can break through the regional restrictions and broaden the boundary of private lending business. It mainly provides loan services for those individuals and small and medium-sized enterprises with limited financing ability in traditional financial institutions, which not only reap the huge profits brought by the long tail market, but also realize the policy significance of the national development of inclusive finance. Since the introduction of PPDAI, the first domestic network loan platform in 2007, China's network loan industry has been showing a rapid growth trend, coupled with the lack of regulatory environment background, various funds poured into the P2P network lending industry. At the same time, platform running events are common. With the continuous development of the network loan industry, the business is alienated out of various models, and the risk of the network loan industry is also enlarged by leverage or outsourcing and so on, which is difficult to control. Therefore, how to carry out moderate and effective legal supervision on P2P network loan platform is an important subject that needs to be solved and has practical significance. This paper begins with the origin and characteristics of P2P network loan in China. This paper gives a brief overview of the current situation of the development of the industry and systematically combs the operation mode of the domestic net loan in order to comprehensively analyze the main risks existing in the operation process of the domestic network loan platform at present. Secondly, by defining the concept of "misconduct" and comparing the illegal behavior, criminal behavior with it, the meaning of "misconduct" in the context of this article is clarified. Then it classifies the improper behavior of the domestic P2P network loan platform with typical cases, and points out the deficiency of the current domestic legislation on the regulation of the network loan platform. Finally, through the investigation and reference of the governance experience of Britain, America and South Korea, the author puts forward a series of perfect ideas and suggestions which are in line with the situation of our country and the actual development of the net loan industry.
【學位授予單位】：華僑大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.282

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本文編號：2030417