摘要
P2P平台中的债权人利益保护路径包括两个部分,一为预防,主要通过加强互联网平台的监管防范债权人的利益受到侵害。它强调摒弃"一刀切"监管之恶习,通过底线监管(负面清单)与差异化监管来实现行业自由最大化基础上的有效管理;同时,实施源头监管,适度提高P2P平台市场准入制度;另外,要重塑社会征信制度建设,为P2P平台发展提供信息基础。二为债权人利益受损后的权利维护,强化法律责任制度,通过举证责任分配等制度来维护债权人合法权益。通过这两个部分设计对于债权人利益形成周延的保护。
The way to protect the interests of creditors in P2P Lending includes two parts: First,prevent creditors’ interests from violate through strengthening the supervision of the Internet platform. It emphasizes abandoning the vices of the "one size fits all"regulation and achieving maximum freedom of the industry on the basis of effective management,through the bottom line regulation( negative list) and differentiation regulation. A higher requirements of P2P platform is necessary,too. What’s more,reshape the social credit system construction. Second,strengthen the legal liability system,maintain the legitimate rights of creditors.
出处
《中南财经政法大学研究生学报》
2016年第3期20-25,共6页
Journal of the Postgraduate of Zhongnan University of Economics and Law
