摘要
网络借贷平台弥补了传统资金融通方式的不足,其理论基础来源于孟加拉国的尤努斯博士的小额信贷理论。由于网贷平台存在法律定性、资金安全以及非法吸收公众存款罪的法律风险,国内问题平台数量呈现三年连续快速增长的态势,使得对网贷平台的法律规制成为必需。规制的具体方式包括网贷平台监管体系的重构、制定网贷平台监管细则、缩小"非法吸收公众存款罪"的适用范围以及提升网贷行业自律组织的地位和作用。
P2P lending platform of which the theory of microfinance is the foundations can make up for the deficiency of traditional mode of financing. It＇ s necessary to strengthen legal regulation on P2P lending platform in order to control the legal risk related to the legal status, fund safety and the boundaries between illegal absorbing deposit of public and legitimate business mode. The measure of legal regulation include to make regulatory rules on P2P lending platform, to reduce the scope of application of the crime of illegal absorbing deposit of public, and enhance the status and role of self-discipline organization of P2P lending industry.
出处
《法学杂志》
CSSCI
北大核心
2015年第9期125-132,共8页
Law Science Magazine
关键词
网络金融
借贷平台
非法吸收公众存款
金融监管
network finance
P2P lending platform
illegal absorbing deposit of the public
financial regulation
