P2P平台债权拆分转让模式在民商事审判中的定位  

On the Position of Split Mode of P2P Platform Debt in Civil and Commercial Trial

作　　者：唐旭[1] Tang Xu(Southwest University of Political Science and Law ,Chong Qing 401120)

机构地区：[1]西南政法大学民商法学院,重庆401120

出　　处：《重庆社会科学》2018年第4期72-80,共9页Chongqing Social Sciences

摘　　要：P2P平台债权拆分转让模式是一种以《中华人民共和国合同法》债权转让原理为基石的运营模式,通过归纳可以得出8种债权拆分转让形式。但该8种债权拆分转让形式与《网络借贷信息中介机构业务活动管理暂行办法》中的第10条禁止性规范存在冲突。在理性思想的指导下,此种冲突应当在民商事审判中得到相应的体现,即通过禁止性规范的转介规范——《民法总则》第153条进行实质介入。基于此,只要是违背该办法第10条禁止性规范的P2P平台债权拆分转让类型且能够被转介规范所涵摄,则该行为应当被认定无效。The split and assignment mode of P2P platform debt is an operational mode based on the debt assignment theory in the Contract Law, and such mode may be divided into eight split and assignment forms, which are all in conflict with the prohibitive provision specified in Article 10 of the Interim Measures for the Management of Business Activities of P2P Lending Intermediaries （hereinafter as the ＂Measures＂）. Under the direction of rationality, the aforementioned conflict shall be embodied in civil and commercial trial, i.e., substantial intervention shall be carried out with reference to the referral rule of prohibitive provision in Article 153 of the General Provisions of Civil Law. Thus, any form of split and assignment of P2P platform debt in violation of the prohibitive provision in Article 10 of the Measures and within the scope of referral rule shall be deemed as invalid.

关 键 词：P2P债权拆分转让模式 适法性 理性选择 转介规范 

分 类 号：DF529[政治法律—民商法学]