本文關(guān)鍵詞： P2P網(wǎng)貸 P2P平臺 用戶注冊協(xié)議 法律問題 電子格式合同　出處：《西南政法大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：P2P網(wǎng)貸交易作為傳統(tǒng)借貸交易與互聯(lián)網(wǎng)技術(shù)融合的創(chuàng)新產(chǎn)物,在基本借貸法律關(guān)系上與傳統(tǒng)借貸并無二致。但由于交易形式從“線下”轉(zhuǎn)移到“線上”,使得借貸交易的邏輯由“熟人撮合”變?yōu)椤伴_放交易”。這一交易邏輯的變化導(dǎo)致許多我國現(xiàn)行法律并未規(guī)定的問題出現(xiàn),并且亟待解決。為了適應(yīng)現(xiàn)行法律框架的規(guī)定,避免“違法經(jīng)營”以及觸碰“紅線”,國內(nèi)許多P2P平臺運營公司對國外較為成熟的P2P網(wǎng)貸交易模式進行了不同程度的改良。由此國內(nèi)出現(xiàn)了四種基本交易模式:“線上純信用”模式、“線上有擔(dān)�！蹦Ｊ健ⅰ熬�上為主、線下為輔”模式、“線上為輔、線下為主”模式。通過對前述四種模式的分析發(fā)現(xiàn),無論哪一種模式都涉及到P2P平臺運營公司與用戶之間的法律關(guān)系問題。而該法律關(guān)系正是通過P2P平臺運營公司提供的電子格式合同——用戶注冊協(xié)議約定產(chǎn)生。作為整個交易模式中確定各方交易主體權(quán)利義務(wù)的核心法律文件,P2P網(wǎng)貸交易用戶注冊協(xié)議涉及的法律問題較為集中。本文通過對這些問題的全面分析,能夠在詳細了解P2P網(wǎng)貸交易流程的基礎(chǔ)上,全面梳理出相關(guān)法律框架及存在的主要法律問題。同時,從P2P平臺運營公司的風(fēng)險控制、從用戶注冊協(xié)議優(yōu)化、從行業(yè)監(jiān)管、從制度完善幾個方面分別提出一些建議。本文分為五個部分展開探討:第一部分主要介紹了P2P網(wǎng)貸交易的概念、國內(nèi)主要交易模式與對應(yīng)的代表平臺,并對國內(nèi)主要交易模式下涉及的基本法律關(guān)系進行了分析,并得出:傳統(tǒng)借貸方式與P2P借貸方式二者的變化不僅僅表現(xiàn)在形式上由“線下”到“線上”,更重要的應(yīng)是形式變化導(dǎo)致法律關(guān)系建立的交易邏輯的變化。此外,對于國內(nèi)不同交易模式下的法律關(guān)系也以簡圖形式進行了總結(jié),且從簡圖中能夠清晰地發(fā)現(xiàn)各平臺運營公司由于對法律的理解與運用不同,而導(dǎo)致法律關(guān)系結(jié)構(gòu)設(shè)計的不同。第二部分通過對用戶注冊協(xié)議進行概念化分析,闡釋了用戶注冊協(xié)議的含義。然后分析了用戶注冊協(xié)議的兩種法律屬性:電子格式合同與居間合同。最后,通過對類似案列地簡要分析,發(fā)現(xiàn)用戶注冊協(xié)議作為P2P網(wǎng)貸交易模式的核心法律文件,其在實踐中具有重要意義。第三部分主要對用戶注冊協(xié)議主體進行全面分析。就P2P網(wǎng)絡(luò)運營商而言,主要分析了其資質(zhì)準入、平臺擔(dān)保、規(guī)范運營等問題;就用戶而言,主要分析了用戶資格、投資者保護等問題。通過對上述問題的分析,發(fā)現(xiàn)平臺運營商應(yīng)控制的風(fēng)險點,以及提出一些對應(yīng)的優(yōu)化建議。第四部分對用戶注冊協(xié)議條款進行分析。首先,總結(jié)出用戶注冊協(xié)議條款的四種類型,分別闡釋了四種條款類型的含義,并進行列舉式說明;其次,從用戶注冊協(xié)議條款具體內(nèi)容方面,重點分析了免責(zé)條款與隱私保護條款。就免責(zé)條款而言,總結(jié)出網(wǎng)絡(luò)運營商關(guān)注的風(fēng)險點,同時提出在控制法律風(fēng)險過程中應(yīng)注意的問題;就隱私保護條款而言,分析了投融資雙方在隱私保護問題上存在的矛盾及信息披露的必要性,并通過明確的信息披露條件化解前述矛盾。最后,在條款類型化、特定條款內(nèi)容分析的基礎(chǔ)上,利用統(tǒng)計學(xué)方法對權(quán)利性條款與義務(wù)性條款進行分析,判斷出用戶注冊協(xié)議形式上的平衡性,并分析了產(chǎn)生這種不平衡的原因,提出網(wǎng)絡(luò)運營商為防止格式合同無效而應(yīng)把握的應(yīng)對原則。第五部分主要根據(jù)前述分析從用戶注冊協(xié)議本身的完善、法律制度的完善以及監(jiān)管的完善三個角度提出相關(guān)建議。
[Abstract]:P2P net loan transaction as an innovative product of the fusion of traditional lending transactions and Internet technology, the basic legal relationship lending and borrowing the same. But because of the traditional transfer transaction form from "line" to "line", the lending transaction by the logic of "acquaintance set" to "open trade". The change of transaction logic the result of our current law does not require a lot of problems, and needs to be solved. In order to meet the provisions of the existing legal framework, to avoid the "illegal" and "touch the red line, many domestic P2P platform operators of foreign mature P2P net loan transaction mode were improved in different degrees. The domestic appeared four basic trade patterns:" pure credit line "mode," online secured "mode," the main line, the line auxiliary "mode," online supplement, line oriented "mode. Through the analysis of the four models found that no matter what kind of model are related to the P2P platform operators and users of legal relationship problems. The legal relationship is provided by the P2P platform operating company of electronic contract: user registration agreement. As a legal document to determine the core subject of rights and obligations of the parties trading for the entire transaction mode, the legal problems of P2P net loan transaction user registration protocol involved is relatively concentrated. Through a comprehensive analysis of these problems, can be based on a detailed understanding of P2P net loan transaction process, sort out the comprehensive legal framework and legal problems. At the same time, the risk control from the P2P platform operating company the registration protocol optimization from the user, from the industry regulation, and puts forward some suggestions to perfect the system from several aspects. This paper is divided into five parts: the first study Part mainly introduces the concept of P2P net loan transaction platform, on behalf of the main transaction mode and the corresponding domestic, basic legal relationship and relates to the domestic main transaction mode is analyzed, and that changes in traditional lending and borrowing P2P two not only in the form of "line" to "line" it is more important to form changes in transaction logic create legal relations. In addition, the legal relationship between different domestic trading patterns are summarized in schematic form, and from the diagram can clearly find the platform operators because understanding and application of the law, resulting in different legal relations the structure of the design. The second part of the user registration protocol for conceptual analysis, explains the meaning of user registration protocol. Then analyzed two kinds of legal user registration protocol : the electronic contract and the contract. Finally, through briefly analysis of similar case, found the user registration protocol as the core legal documents P2P net loan transaction model, has important significance in practice. The third part of the main body of the user registration protocol were analyzed. The P2P network operators, the main analysis the admittance, platform security, standard operation; users, mainly analyzes the user qualification, investor protection and other issues. Through the analysis of the above problems, found that the platform operators should control the risk, and puts forward some corresponding optimization suggestions. The fourth part of the registration agreement on the terms were analyzed firstly., summed up the four types of user registration provisions of the agreement, the four clause types explain the meaning, and the list of instructions; secondly, from the specific terms in the user registration protocol Volume, focus on the analysis of the exemption clause and privacy protection clause. On the disclaimer, summarizes the network operators focus on risk, and puts forward the legal risk control should be paid attention to in the process of the problem; privacy protection provisions, analyzes the necessity of contradiction and information disclosure of both investment and financing problems existing in privacy protection, and through the clear information disclosure conditions to resolve the contradictions. Finally, in terms of the type, analyzing the specific provisions on the content of rights and obligations of clause clauses were analyzed by using statistical method, determine the balance of the user registration agreement form, and analyzes the reasons for this don't balance, to puts forward the principles of network operators should grasp in order to prevent the format of the contract invalid. The fifth part is mainly based on the above analysis from the user registration protocol is perfect, legal system Suggestions are put forward in three aspects of perfection and perfection of supervision.

【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D923.6

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