互联网金融风险防范研究——以互联网金融借款纠纷的裁判规则及电子证据的认定为视角

Research on Internet financial risk prevention——om the perspective of adjudication rules for Internet financial borrowing disputes and identification of electronic evidence

近年来,金融创新服务的发展为市场经济繁荣带来了生机活力,与此同时互联网金融借款纠纷也显著增多,民事诉讼中缺少对电子证据认定的统一规定,亦缺少司法裁判指引,亟需确定互联网金融借款案件裁判规则及电子证据的认定标准。对此类案件电子证据的审查与认定提供可行性裁判规则,可以规范网络金融业务的操作流程,督促金融机构防范风险,促进互联网金融快速健康发展,为打造良好的营商环境提供法律保障。

In recent years,the development of financial innovation services has brought vitality to the prosperity of the market economy,but Internet financial borrowing disputes have also increased significantly.In civil litigation,there is a lack of unified provisions for the identification of electronic evidence and a lack of guidelines for judicial decisions.It is urgent to determine the rules for adjudicating Internet financial borrowing cases and the criteria for identifying electronic evidence.Providing feasible rules adjudication for the review and identification of electronic evidence in such cases can standardize the operation process of online financial services,urge financial institutions to prevent risks,promote the rapid and healthy development of Internet finance and provide legal protection for creating a good business environment.