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P2P平台良性退出中投资者债权的追索途径和建议-【资讯】

发布时间:2021-07-16 02:22:47 阅读: 来源:快速门厂家

就在11月8日,一条信息刷爆朋友圈《湖南取缔53家网贷机构 省内P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">

之前备受投资人青睐的P2P,从今年3月份开始,随着善林金融等P2P机构陆续爆雷,P2P可以说是迎来了行业大洗牌的元年。今年以来,关于行业备案的政策和各种传闻一波接一波,从中央到地方的备案细则越写越长,关于到底能否备案,何时备案,行业未来前景如何等等,也是激起了业内的广泛关注。

根据全国P2P网络借贷风险专项整治工作领导小组办公室8月份出台的“网贷108条”规定,其中明确要求P2P机构要严格控制增量,落实到各地金融办来说就是P2P在现行政策背景下不能产生增量,而伴随着P2P行业的各种负面新闻,以及我们在网络上随处可见的诸如“中年P2P,晚年鸿茅药酒”这些对行业看衰的段子的广泛流传,2018年,对于p2p行业里的每一个人来说,大家都过的不怎么样。投资人的资金只出不进,借款人逾期还款情况日益加剧,在这个过程中,一些规模不够的P2P机构根本难以为继,不是爆雷就是清退。从湖南省地方金融监督管理局发布的上述公告,我们也不难看出监管的政策与导向,P2P必须要回归信息中介的本质,严格规范自身的经营行为,经营事项也应控制在合法经营范围之内,这些对于绝大部份中小规模的P2P机构而言,行业退出也是一种必然。

P2P行业的整体洗牌,对于广大投资者们来说是极为无助的,有些前几天还在正常发标的argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">提及argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">1、发生原因不同

出现爆雷的argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">良性退出的argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">2、处理方案不同

argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">3、涉嫌违反的法律不同

一般而言,爆雷argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">4、投资人风险不同

argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">1、P2P产品从其本质而言是一种投资行为,任何投资都一定伴随着风险,投资者应理性认知投资风险,正确面对。

根据《网络借贷信息中介机构业务活动管理暂行办法》第二条的规定“网络借贷信息中介机构是指依法设立,专门从事网络借贷信息中介业务活动的金融信息中介公司。”实际上,P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">2、在风雨来临之际,配合argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">不可否认,argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">P2P做为“泛金融”领域中的一个分支,其也带有金融行业所特有的一些属性和特性,在当下的行业发展大背景下,监管趋严,投资者对行业持观望态度,市场上资金端紧缩,实力不够的argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">3、积极、尽快成立债权人委员会,以更理性与高效的方式推动清退工作的实质进程。

目前各地金融办都出台了P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">在argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">本人根据在处理argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">1、P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">2、P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">P2P不等于非法集资,我们通常所说的非法集资是指《刑法》第176条规定的非法吸收公众存款罪,其特征是以高息为诱饵,吸引投资,直接控制资金牟利。P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">3、在清退期间,P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">根据各地金融办出台的argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">4、P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">按照《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第32条的规定:“借款人可以提前偿还借款,但当事人另有约定的除外。借款人提前偿还借款并主张按照实际借款期间计算利息的,人民法院应予支持。”借款人根据双方签订的《借贷协议》提前偿还借款的,如未另行约定的,借款人可按照实际借款期间计算借款利息。

P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">5、P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">不是。argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">6、为什么argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">7、如何参与到债权人委员会中去?

P2Pargin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">8、债权人委员会的职责和权限是什么?

根据各地金融办颁布的退出指引规定,债权人委员会主要负责监督网贷机构的退出工作情况,与全体投资人保持良好、有效的沟通,协助应对群体性事件、维护社会和谐稳定。如投资人发现网贷机构未按照资金清退计划及时清退投资人资金,弄虚作假,损害投资人利益的,有权向监管部门举报、向公安部门报案。

9、债权人委员会是否当然代表所有债权人?

债权人委员会并不当然代表所有债权人,债权人委员会是为了保证argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">10、能否采取静坐、围攻等方式向argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">不能,投资人应当理性、冷静地对待argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">11、能否不通过集体兑付而直接自行向法院起诉,要求argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">诉讼是每个公民的权利,根据投资人签订的协议及相关法律规定,不能偿还投资的情况下,投资人可以提起民事诉讼,在起诉时应当明确诉求并提供相应的证据证明。值得提醒的是,对于投资人而言,argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">12、argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">在双方协商一致、信息真实对等的情况下,折价收购是合法的。但需提醒投资人的是,如若argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">13、argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">14、遇到argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">在argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">15、如果argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">若argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">16、argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">首先,根据中央及各地金融办的退出指引,argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">17、如果argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">债权人委员会应当及时与argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">18、不能归还投资款的argin: 15px 0px 0px; padding: 0px 30px; color: rgb(51, 51, 51); letter-spacing: 1px; font-size: 16px; line-height: 32px; font-family: "Lantinghei SC", "Open Sans", Arial, Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft Yahei", 微软雅黑, sans-serif;">如果平台本身存在不合规运营的情形,且导致投资人资金无法实现兑付的,根据具体情节,平台负责人将承担相应民事、行政乃至刑事责任。

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