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近些年来,我国民间非法借贷案件频频出现,严重威胁到广大人民群众的财产安全,同时也暴露出民间借贷活动所包含的巨大风险。为有效防范与化解民间借贷活动蕴藏的风险,民间融资服务登记平台的借贷备案制度受到国内相关研究者的探索,并取得一些成果,但是仍旧存在许多的不足之处。比如民间融资服务登记平台的借贷备案制度在具体实施的过程中缺乏相关法律支撑,民间融资服务登记平台的借贷备案制度缺乏吸引力等。本文针对民间融资服务登记平台的借贷备案制度在实施过程中存在的一些问题,分别从健全法律体系、明确备案管理机构定位、强化备案登记吸引力等方面着手对民间融资服务登记平台的借贷备案制度予以完善。
In recent years, the frequent cases of illegal private lending in our country have taken place frequently, seriously threatening the property safety of the broad masses of the people and exposing the huge risks involved in private lending activities. In order to effectively prevent and resolve the risks inherent in private lending activities, the loan filing system of the non-governmental financing service registration platform has been explored by relevant domestic researchers and has achieved some results. However, there are still many deficiencies. For example, the non-governmental financing service registration platform for the loan filing system in the specific implementation of the process of the lack of relevant legal support, non-governmental financing service registration platform for loan filing system is not attractive. In this paper, some problems existed in the implementation of the loan filing system of the private financing service registration platform, starting from the legal system, a clear record of the location of the regulatory agencies, to strengthen the attractiveness of filing registration and so on to the private financing service registration platform for loan filing system To be perfect.