网站首页  |  期刊介绍  |  编委会  |  投稿指南  |  在线订阅  |  联系我们  |  English
李莉莎.论P2P网络借贷中的投资者适当性机制[J].重庆邮电大学学报(社会科学版),2019,31(1):41-49 本文二维码信息
二维码(扫一下试试看!)
论P2P网络借贷中的投资者适当性机制
On the Investor Eligibility System of P2P Lending
投稿时间:2018-06-13  修订日期:2018-10-29
DOI: 10.3969/j.issn.1673-8268.2019.01.006
中文关键词:  网络借贷  投资者  适当性  分级管理  合适推荐
English Keywords:P2P lending  investor  eligibility  classification management  appropriate recommendations
基金项目:广东省哲学社会科学“十二五”规划学科共建项目:P2P网络借贷法律问题研究(GD14XFX04)
作者单位
李莉莎 广东财经大学 法学院,广东 广州 510320 
摘要点击次数: 120
全文下载次数: 126
中文摘要:
      投资者适当性是成熟资本市场的一种典型的投资者权益保护制度,我国证券、基金等领域已经初步构建了投资者适当性规则体系。在P2P网络借贷领域,《网络借贷信息中介机构业务活动管理暂行办法》对投资者适当性的规定,主要体现在平台的提醒义务、尽职评估义务、分级义务,但仍难以满足P2P网络借贷投资者权益保护的需要。我国有必要在借鉴域外投资者适当性制度和我国传统金融行业的投资者适当性规则的基础上,以公平投资、信息保护、多元治理等原则为统率,以制定法为主导,把细化分级管理规定和明确平台合适推荐义务作为两大重点,并在行业协会自律监管、投资者教育、法律责任机制、网络仲裁等多个方面进行补充,以形成一个多层次、全方位的投资者适当性制度体系。
English Summary:
      The investor eligibility system is a typical investor rights protection system in mature capital markets. The systems of investor eligibility rules have basically been established in the fields of securities and funds in China. In the field of P2P lending, the investor eligibility rules of Interim Measures for the Administration of the Business Activities of Online Lending Information Intermediary Institutions are mainly reflected in the platform’s reminding obligations, due diligence assessment obligations, and classification obligations. However, such regulations are still difficult to meet the needs of P2P investors’ rights protection. It is necessary for China to learn from the foreign investor eligibility regulations and the rules of investor eligibility for traditional financial industries in China. Fair investment, information protection, and diversity management should be established as the principles. Statutory law should be taken as the leading factor. The provisions of classification management should be detailed and the appropriate recommendation obligations should be explicit, which are two key points. Many aspects such as self-regulation of industry associations, investor education, legal liability mechanism, and network arbitration should be complemented in order to form a multi-level and comprehensive investor eligibility system.
HTML 查看全文   查看/发表评论  下载PDF阅读器
版权所有 © 2009 《重庆邮电大学学报(社会科学版)》
地址:重庆市南岸区黄桷垭 邮编:400065
电话:023-62461033 E-mail : wkxb@cqupt.edu.cn
本系统由北京勤云科技发展有限公司设计