小微企业民间融资法律风险及其防范——基于P2P网络借贷模式  

legal risk and its prevention of Small micro enterprise folk financing — Based on peer to peer lending

作　　者：彭进[1] 杨峥嵘[1] 

机构地区：[1]湖南商学院法学院,湖南长沙410205

出　　处：《湖南商学院学报》2014年第2期94-97,共4页Journal of Hunan Business College

基　　金：湖南省教育厅一般科研项目(项目编号:12C0761);湖南省哲学社会科学基金一般项目(项目编号:12YBB137)

摘　　要：当前,P2P网络借贷已经成为小微企业民间融资的一种新途径,但是,在其方便、快捷、成功率高的背后,也存在不少隐忧。小微企业进行P2P网络借贷,有可能陷入洗钱、非法集资、诈骗、隐私权泄露等诸多风险。而产生这些风险的成因,与P2P网络借贷平台法律制度缺失、监管职责不明、征信体系不完善等有着密切联系。因此,应当建立健全相关法律规范,明确P2P网络借贷平台的法律性质,明确其监管主体,建立多层次的监管体系,完善征信体系,完善资金担保及托管服务。并且,各地区也应该因地制宜,探索P2P网络借贷平台的区域发展模式,方能降低融资风险,促进小微企业的发展。At present, Peer to peer lending has become a new way by small and micro businesses folk financing. Quick and high success rates is its advantages, but in addition, there are a lot of concerns. Maybe, small and micro businesses will encounter money laundering ,illegal fund-raising, defraud, privacy leaks, and many other risks. The cause of these problems, including Lack of legal system, ambiguity of Regulatory responsibilities,imperfections of credit system, etc. So, ought to establish and improve the relevant legal norms, determine the legal nature of P2P lending, determine its regulatory agencies, set up multi-level supervision system, perfect the credit system, perfect the funds guarantee and hosting services. And, In order to reduce the financing risk, promote the development of Small and micro businesses, different regions should adjust measures to local conditions, explore the P2P lending mode of regional development.

关 键 词：小微企业 民间融资 法律风险 P2P网络借贷 监管 

分 类 号：F832.4[经济管理—金融学] D922.28[政治法律—经济法学]