本文關(guān)鍵詞： 個(gè)體網(wǎng)絡(luò)借貸糾紛 訴訟解決機(jī)制 民刑并行 電子訴訟　出處：《山東大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：伴隨著個(gè)體網(wǎng)絡(luò)借貸行業(yè)在監(jiān)管、誠(chéng)信體系缺失的環(huán)境中迅猛發(fā)展,與互聯(lián)網(wǎng)深度融合的個(gè)體網(wǎng)絡(luò)借貸糾紛數(shù)量急劇增長(zhǎng)并大量進(jìn)入訴訟。這一方面成為阻礙行業(yè)發(fā)展、影響社會(huì)穩(wěn)定的重要因素,另一方面則基于網(wǎng)絡(luò)化特點(diǎn)給訴訟程序帶來(lái)挑戰(zhàn)。有鑒于此,對(duì)于個(gè)體網(wǎng)絡(luò)借貸糾紛訴訟解決的研究具有理論和實(shí)踐的雙重意義。本文主要分為五部分:第一部分,闡述了當(dāng)前個(gè)體網(wǎng)絡(luò)借貸糾紛的基本特征。當(dāng)前個(gè)體網(wǎng)絡(luò)借貸糾紛呈現(xiàn)出信息媒介的網(wǎng)絡(luò)化、法律關(guān)系的復(fù)雜化、數(shù)量的快速增長(zhǎng)性、發(fā)生的群體性、化解依據(jù)的漸趨完善性等特征。信息媒介的網(wǎng)絡(luò)化是個(gè)體網(wǎng)絡(luò)借貸糾紛較傳統(tǒng)群體性糾紛最為顯著的特點(diǎn)。第二部分,就個(gè)體網(wǎng)絡(luò)借貸糾紛進(jìn)行類(lèi)型化分析�；诩m紛發(fā)生原因?qū)�(gè)體網(wǎng)絡(luò)借貸糾紛劃分為借款人逾期型糾紛、平臺(tái)違規(guī)欺詐型糾紛、平臺(tái)系統(tǒng)故障型糾紛。三者在發(fā)生規(guī)模、爭(zhēng)議復(fù)雜程度、涉案人數(shù)、社會(huì)影響等方面也有較大差異�；趥鶛�(quán)追索主體將個(gè)體網(wǎng)絡(luò)借貸糾紛劃分為自行追索型糾紛和轉(zhuǎn)移追索型糾紛。兩類(lèi)糾紛在訴訟當(dāng)事人數(shù)量以及專(zhuān)業(yè)能力等方面有較大差別。第三部分,分析了個(gè)體網(wǎng)絡(luò)借貸糾紛訴訟解決過(guò)程中存在的問(wèn)題。訴訟周期過(guò)長(zhǎng)、群體性壓力化解不力、非訴程序難以發(fā)揮效用、在線解決機(jī)制落后是當(dāng)前個(gè)體網(wǎng)絡(luò)借貸糾紛訴訟解決過(guò)程中存在的主要問(wèn)題。第四部分,從價(jià)值主體出發(fā)確立個(gè)體網(wǎng)絡(luò)借貸糾紛訴訟解決的應(yīng)然價(jià)值目標(biāo)——妥當(dāng)解決,兼顧全局。其中妥當(dāng)解決是內(nèi)部?jī)r(jià)值目標(biāo),強(qiáng)調(diào)個(gè)體網(wǎng)絡(luò)借貸糾紛訴訟解決中法院的高效審理與當(dāng)事人的低訴訟負(fù)擔(dān);兼顧全局是外部?jī)r(jià)值目標(biāo),強(qiáng)調(diào)個(gè)體網(wǎng)絡(luò)借貸糾紛訴訟解決對(duì)于社會(huì)秩序的維護(hù)以及對(duì)于行業(yè)治理的引導(dǎo)。第五部分,提出針對(duì)個(gè)體網(wǎng)絡(luò)借貸糾紛特點(diǎn)的訴訟機(jī)制調(diào)整對(duì)策。健全個(gè)體網(wǎng)絡(luò)借貸糾紛訴訟解決機(jī)制應(yīng)明確網(wǎng)貸平臺(tái)所在地可作為爭(zhēng)議實(shí)際聯(lián)系地、基于"民刑并行、民刑共存"協(xié)調(diào)民刑交叉案件審理程序、喚醒代表人訴訟程序、允許出借人與網(wǎng)貸平臺(tái)之間的任意訴訟擔(dān)當(dāng)、充分發(fā)揮兩個(gè)非訴程序效用、健全電子訴訟機(jī)制。
[Abstract]:With the individual network lending industry in the regulatory, integrity system in the absence of the environment of rapid development. The number of individual online loan disputes that are deeply integrated with the Internet has increased sharply and entered litigation in a large number. This has become an important factor hindering the development of the industry and affecting social stability on the one hand. On the other hand, based on the characteristics of the network, it brings challenges to the proceedings. The study of individual online loan dispute resolution has both theoretical and practical significance. This paper is divided into five parts: the first part. This paper expounds the basic characteristics of the current individual online loan disputes. The current individual online lending disputes present the network of information media, the complexity of legal relations, the rapid growth of the number, and the occurrence of the group. The network of information media is the most prominent characteristic of individual network loan dispute than traditional group dispute. Part two. Based on the causes of the disputes, the individual online lending disputes are divided into overdue disputes for borrowers and fraudulent disputes for platform violations. Platform system malfunction dispute. Three in the scale, dispute complexity, involved in the number of people. Based on the subject of creditor's claim, the individual internet loan dispute is divided into self-recourse dispute and transfer recourse dispute. The number of litigant parties and the professional ability of the two types of disputes are also different. The third part is the third part. This paper analyzes the problems existing in the process of litigation settlement of individual network loan disputes. The litigation cycle is too long, the group pressure is not resolved effectively, and the non-litigation procedure is difficult to play its role. The backwardness of online resolution mechanism is the main problem in the process of individual online loan dispute litigation. 4th part. From the point of view of the value subject, it is necessary to establish the proper solution to the individual network loan dispute litigation, and to take into account the overall situation. Among them, the proper solution is the internal value goal. It emphasizes the efficient trial of the court and the low burden of the litigant in the settlement of the individual network loan dispute. Taking into account the overall situation is the external value goal, emphasizing the individual network loan dispute litigation for the maintenance of social order and the guidance of industry governance. Part 5th. The author puts forward some countermeasures to adjust the litigation mechanism for the characteristics of individual network loan disputes. To perfect the individual network loan dispute litigation resolution mechanism, it should be clear that the location of the online loan platform can be used as the actual contact place of disputes, based on the "civil and criminal law parallel". The coexistence of civil and criminal law "coordinates the trial procedure of civil and criminal cross cases, awakes the representative litigation procedure, allows the arbitrary litigation between the lender and the network loan platform, gives full play to the utility of the two non-litigation procedures, and perfects the electronic litigation mechanism."
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：D925

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