印尼同业拆借与管理层对话

Adi Setiadi Saputra
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引用次数: 12

摘要

对等贷款已发展成为一种新的投资措施,为印度尼西亚的中小企业提供解决方案,即在没有抵押品的情况下获得贷款。然而,提供对等借贷平台(网站或其他应用程序)的企业,将是贷款人和借款人,几乎总是在服务协议中加入免责声明,声明在违约情况下不承担责任。作者运用法律教条主义的方法,从消费者保护的角度讨论了此类免责声明的存在。这里提出的主要论点是,提供这项服务的企业不能也不应该回避保护消费者的责任,即那些提供贷款的企业。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
PEER TO PEER LENDING DI INDONESIA DAN BEBERAPA PERMASALAHANNYA
Peer to peer lending has developed into a new investment measure providing solution for middle and small business enterprises in Indonesia, i.e., to obtain loan without collateral. However, the business enterprise providing the platform for peer to peer lending (websites or other apps), connecting would be lenders and borrowers, almost always puts into the service agreement a disclaimer stating that it would not be held liable in case of default.  Using a juridical dogmatic approach, the author discusses the existence of such disclaimers from the viewpoint of consumer protection.  The main argument put forward here is that the business enterprise providing this service cannot and should not shy away from bearing responsibility in protecting the consumer, i.e. those that provide loans.
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