P2P网络借贷担保和资金池经营模式的法律性质浅析  

Analysis of the P2P Legal Nature of Network Loan Guarantees and Capital Pool Business Mode

作　　者：马国辉[1] 娄义鹏 夏长久[1] 

机构地区：[1]中央民族大学法学院,北京100081

出　　处：《绵阳师范学院学报》2014年第10期47-50,共4页Journal of Mianyang Teachers＇ College

基　　金：中央民族大学研究生实践创新项目"我国网络借贷平台债权人利益保护问题研究--以网络借贷平台的运营模式为考察视角"(10301-01404031)

摘　　要：为了吸引投资者投资,我国的部分网络借贷平台采取"刚性对付"1的经营模式——即承诺保障本金的担保和资金池经营模式。这是网络借贷平台在我国相关征信制度缺位、信用制度不健全的客观条件下的经营模式的无奈抉择,也为广大的网络借贷参与者所理解和接纳,但是担保和资金池经营模式却得不到现有法律框架下的相关法律、法规的支持,其法律性质还值得我们进一步反思。In order to attract investors, certain network loan platforms in China undertake a business mode of ＂running by rigidity＂ -- namely, the mode of principal guarantee and capital pool. This is a helpless choice un- der the current Chinese credit conditions, lacking credit inquiry system and healthy credit system. Though this mode is generally appreciated and widely accepted by network loan participants, it is not legally supported by the existin~ lezal terms, and its legal nature is worth further reflection.

关 键 词：网络借贷 担保 资金池 法律性质 

分 类 号：DF438.2[政治法律—经济法学]