网络借贷纠纷在线仲裁解决机制研究

On Online Arbitration Mechanism of Peer-to-peer Lending Disputes

网络借贷纠纷具有人数众多、小额分散、跨地域性等特点,使得传统纠纷解决机制凸显出专业性欠缺、效率低下、成本高昂等缺陷。在线仲裁机制,在仲裁制度基础上与互联网技术整合,更加契合网络借贷纠纷特点。但目前法律制度与技术不匹配,造成在线仲裁应用的现实困境。构建和完善在线仲裁机制,需要进一步利用互联网技术优化仲裁程序,利用TSA机构、CA机构和金融安全级的云存储服务,解决电子证据保全的难题,以诉讼保险制度来分散和转移在线仲裁经济成本。

Peer-to-peer lending disputes mostly involve petty loans distributed in diverse port-folio and a great number of debtors and lenders across different regions. Such characteristics of the traditional dispute resolution mechanisms give prominence to lack of proficiency and efficiency and high cost in handling those disputes. Online arbitration mechanism, integration of network technology and the arbitration system, is in more conjunction with the characteristics of network lending disputes. But the current legal system and technology does not match, resulting in the practical dilemma of online arbitration application. Online arbitration mechanism should be con-structed and perfected by further use of Internet technology to optimize the arbitration proce-dures, by the use of TSA institutions, CA institutions and financial security leveled cloud storage services to solve the problem of electronic evidence preservation, and by the litigation insurance system to spread and transfer the economic cost of online arbitration.