民间融资服务登记平台的借贷备案制度的完善

The Perfection of the Loan Record System of the Private Financing Service Registration Platform

近些年来,我国民间非法借贷案件频频出现,严重威胁到广大人民群众的财产安全,同时也暴露出民间借贷活动所包含的巨大风险。为有效防范与化解民间借贷活动蕴藏的风险,民间融资服务登记平台的借贷备案制度受到国内相关研究者的探索,并取得一些成果,但是仍旧存在许多的不足之处。比如民间融资服务登记平台的借贷备案制度在具体实施的过程中缺乏相关法律支撑,民间融资服务登记平台的借贷备案制度缺乏吸引力等。本文针对民间融资服务登记平台的借贷备案制度在实施过程中存在的一些问题,分别从健全法律体系、明确备案管理机构定位、强化备案登记吸引力等方面着手对民间融资服务登记平台的借贷备案制度予以完善。

In recent years, China＇s private lending cases frequently occur. There is a serious threat to the safety of the masses of the people, and also exposed the huge risk of private lending activities. To effectively prevent and resolve risks hidden in the private lending activities, filing system of folk financing service platform registration is under research and exploration, and achieved some re- suits. But there are still many shortcomings. For example, private financing service registration platform for the loan record system in the process of specific implementation is lack of relevant legal support; loan filing system in private financing service registration plat- form is lack of attractiveness etc...For the problems in the folk financing service platform registration lending filing system, this thesis is aiming at the perfection of the filing system from a sound legal system, clearly record management positioning mechanism, the attrac- tiveness of archival filing and registration etc.