P2P网络借贷平台的复合民事法律地位  

The Compound Civil Legal Position of Online P2P Lending Platforms

作　　者：赖丽华[1] 

机构地区：[1]江西省社会科学院法学所,江西南昌330077

出　　处：《法学论坛》2016年第3期130-137,共8页Legal Forum

基　　金：江西省社会科学规划一般项目<法治化营商环境建设研究>(15ZT37)的阶段性成果之一

摘　　要：P2P网络借贷平台法律地位的合理定性,是制订科学的监管法律规则的前提,更是制订公平审判P2P网络借贷案件规则的核心。现行的行政政策和最高人民法院的司法解释,对P2P网络借贷平台的"信息中介"和"媒介服务机构"的定位,不符合法学规范的精准要求。单纯地将P2P网络借贷平台定位为"中介"或者"媒介",不但有失偏颇,还导致P2P网络借贷司法解释错误。网络借贷平台在民商法上是居间人,必须承担商事居间人的义务和责任。同时,网络借贷的自然属性决定了网络借贷平台还兼具出借方代理人的身份。网络借贷平台不得以任何方式免除其代理人应尽的义务和责任。网络借贷平台违反代理人应尽的义务而造成出借人损失时,应承担民事赔偿责任。How to properly define the nature of the legal position of online P2P lending platforms is a premise that determines whether we can make scientific supervision rules and is crucial to make fair judgment rules of case of online P2P lending. The present administrative policy and judicial interpretation of the Supreme Court in China about online P2P lending platforms, which define online P2P lending platforms as information intermediary and service organization of media, can not require the accuracy of science of law. If an online P2P lending platform is only defined as an intermediary or a media, wrong judicial interpretation of online P2P lending platforms will be caused. In civil commercial law, an online P2P lending platform is an intermediary who should undertake the duty and the obligation as intermediation, At the same time, an online P2P lending platform is an agent of the lender because of its nature. Online P2P lending platforms should not be exempted obligations as an agent of the lender. An online P2P lending platform should take on compensation liability if it violated the obligations, which had caused the loss to lender.

关 键 词：P2P网络借贷平台 民事法律地位 商事居间人 代理人 

分 类 号：D923[政治法律—民商法学]