垫付宝系列案件评析.pdfVIP

垫付宝系列案件评析 摘 要 基于 2018年以来的578 例垫付宝二审民事判决书的分析发现，垫付宝平台 作为开展互联网消费信贷业务的先行者，近年来出现大量诉讼案件，并成逐年增 长的态势。由于缺乏相关立法，实践中主要存在判决合同无效、适用民间借贷相 关规定处理、认定为复杂的无名合同等几种不同的生效判决。对于司法实践中的 分歧，应从垫付宝交易流程和各方法律关系分析，交易流程包括 “让渡额度”和 “垫付资金”，各方法律关系是基于多方当事人的复杂合同关系，应属于新型的 互联网消费金融模式。对于合同效力问题，由于 《银行业监督管理法》第十九条 规范的是市场准入问题，而非效力性强制规定，不应据此认定垫付宝系列合同为 无效合同。对于司法适用中的问题，统一裁判尺度是审理该类案件亟需解决的问 题。司法方面，首先利用大数据平台，加强类案总结并及时发布指导案例；其次 引进金融和互联网专业等复合型法律人才到法官队伍；再次细化法官分工，促进 专业法官对专业案件的研究。立法方面，首先通过立法明确互联网消费信贷合同 为有名合同的地位；其次，适当提高电子证据的证明标准、推动互联网消费信贷 平台第三方化，引入公平竞争机制，打破贷款方 （垫付方）对信息、资源和业务 的垄断；再次，从明确消费者协会的协助义务、通过立法禁止费用隐形化、规范 催收行为等方面加强对消费者的保护。 关键词：互联网金融创新；消费信贷；合同效力；电子证据 II 硕士学位论文 Abstract Based on the analysis of 578 civil judgments of the second instance of Advance Payment since 2018, it is found that, as the pioneer of Internet consumer credit business, Advance Payment Platform has witnessed a large number of litigation cases in recent years and has been growing year by year. Due to the lack of relevant legislation, there are several kinds of effective judgments in practice, such as invalidation of judgment contracts, application of relevant provisions of private lending, and identification of complex nameless contracts. As for the differences in judicial practice, we should analyze the transaction process of advance payment and the legal relationship of all parties. The transaction process includes transfer quota and advance payment fund. The legal relationship of all parties is based on the complex contractual relationship of multi-parties and belongs to a new type of Internet consumption finance model. As for the validity of the contract, since Article 19 of the Banking Regulatory Law regulates market access rather than compulsory validity, it should not be regarded as invalid. As for the p