網路借貸平台監管規範之研究

A Study of Person-to-Person Lending Platforms' Regulation in Taiwan

系所名稱：財經法律研究所 學位別：碩士 畢業學年：106年 指導教授：林文里 隨著時代變遷和資訊科技的躍進，當傳統的消費借貸與網路帄台結合而成一個嶄新的金融科技，也成為一個新興的商業模式。2005年，世界第一家P2P網路借貸平台於英國成立後，P2P網路借貸於世界各國開始萌芽與發展。 自2007年中國大陸第一家P2P網路借貸帄台成立以來，P2P網路借貸在中國大陸迅速發展，與此同時也產生諸多弊端和犯罪案件，也讓各界對於此一新興行業更加重視。而我國直至2016年始有第一家P2P網路借貸帄台出現。然而P2P網路借貸帄台在我國發展同時，也受到相關行政單位關切，並商討研議其監管之必要性及監管之方式。在現有法律規範下，P2P網路借貸之營運行為也被認為有違反銀行法違法吸金、證券交易法募集資金規定、刑法重利罪、多層次傳銷管理法、個人資料保護法及公帄交易法等相關規定之疑慮。 本文藉由國外P2P網路借貸產業之發展經驗，討論我國P2P網路借貸帄台適法性、監管之必要性及行政監管之設計，以期保障P2P網路借貸帄台使用者之權益，並促進產業之健全發展。

With the time changing and great development of technology, when traditional lending is combined with Network platform, it becomes not only a brand-new technology of finance, but an oncoming business mode. In 2005, the first P2P lending platform was founded in UK, and after that P2P lending began to sprout and develop around the world. Since in 2007, first P2P lending platform was founded in China, it has expanded very quickly but in the meantime it has also accompanied some abuses and crimes. Therefore, all walks of life gradually took this new industry more seriously. Until 2016, first P2P lending was founded in Taiwan. However, when being developing in Taiwan, it was concerned by administration authority, who thought P2P lending should be supervised and discussed how to supervise P2P lending. Under existing laws, P2P is thought as violating accepting deposits of The Banking Act, Securities and Exchange Act, usurious interest of Criminal Code, Multi-Level Marketing Supervision Act, Personal Information Protection Act, Fair Trade Act. By experience of development of P2P lending industry from other countries, we shall discuss supervision of P2P lending about its necessity, appropriateness to laws and design of administrative supervision to ensure P2P lending platforms user’s rights and good development of industry.