非金融企业金融从业行为的合法性分析及应对

发布时间：2018-01-08 09:01

本文关键词：非金融企业金融从业行为的合法性分析及应对　出处：《华东政法大学》2013年硕士论文　论文类型：学位论文

【摘要】：近几年，全国范围内民间借贷井喷式发展，大量以投资公司、咨询公司等名义从事民间借贷活动的组织如雨后春笋般在各地街头出现，民间融资由个人之间隐蔽的拆借发展到半公开的公司化运作，其背后是民间融资市场的巨大需求。以往对民间借贷的研究普遍从宏观角度对民间借贷行为进行整体性解读，一般从民间借贷的合理性、必要性出发，介绍现有的几种形式，分析其存在的如高利贷等问题，最后提出建议。而对于实践中广泛存在的以投资公司等名义从事民间借贷的合法性，未有直接深入的研究。本文仅以非金融企业从事的民间借贷活动为研究对象，选取民间金融相对落后尚未发生大范围金融风险的中部地区某县，以该县的汇金投资咨询公司为例，从微观视角对该类公司从事民间借贷活动的经营行为进行法律解读，试图明确从事借贷业务的非金融企业的法律地位，并在民间借贷疯狂发展，可能引起大范围金融风险的背景下，提出国家应立法保障放贷人的贷款权，促进借贷市场的自由竞争，同时也要对放贷人适当监管，，规范其经营行为，降低金融风险。文章共分为三个章节，第一章首先从资金来源、出借方式、风险控制及债权实现方式四个方面简单介绍汇金公司的经营模式；第二章是文章重点章节，分别从金融监管法、公司法、合同法三个角度对汇金公司经营行为进行合法性分析，汇金公司以现代公司形式经营传统金融业务，但其总体上还属传统熟人金融的范畴，与现代银行有本质不同。金融监管的主要目的是解决信息不对称的问题，而汇金公司经营以熟人网络为基础，基本不存在信息不对称，所以不应按照现代金融企业进行审慎性监管，当然其运营过程中存在超越经营范围、不符合现代公司治理结构等不规范的问题；第三章先简单分析汇金公司类民间借贷组织活跃的原因，最后提出两个未来发展的对策，首先是立法层面推出《放贷人条例》，从法律层面认可民间借贷组织的合法性，并对《放贷人条例》草案内容提出立法建议；其次是制度层面，应完善民间借贷组织通过民间借贷中心的登记制度，引导民间借贷行为在阳光下发展。
[Abstract]:In recent years, private lending development spurt nationwide, a large number of investment companies, consulting companies and other private lending activities in the name of the organization such as like bamboo shoots after a spring rain around the streets, folk financing by individuals between the hidden semi public lending to the operation of the company, which is behind the huge demand of private financing market. In the past the research on private lending generally from a macro perspective on the private lending behavior of holistic interpretation, from the rationality of private lending, the necessity of introducing several existing forms of analysis, such as high interest loans and other problems, finally put forward some suggestions. The legitimacy for widespread practice in the name of investment company engaged in private lending, not directly into the study. This paper only engaged in private lending activities in non financial enterprises as the research object, selects the folk finance is relatively backward yet There is a wide range of financial risk in central region, in the county Huijin Investment Advisory Company as an example, from the micro perspective of business behavior in such companies engaged in private lending activities of legal interpretation, trying to clear the legal status of non financial enterprises engaged in lending business, and the crazy development in private lending, may cause a large range of financial under the background of risk, put forward national legislation to protect lenders loan rights, promote free competition in the lending market, but also to lenders proper supervision and standardize its business behavior, reduce the financial risk.
The article is divided into three chapters, the first chapter from the source of funds, loan, risk control and the realization of the creditor's rights four aspects introduces Huijin business model; the second chapter is the key chapter, separately from the financial supervision law, company law, contract law three angles of Huijin operation behavior legal analysis of Huijin to modern company operating the traditional banking business, but on the whole still belongs to the traditional acquaintance financial category, and is essentially different from modern banks. The main purpose of financial regulation is to solve the information asymmetry problem, Huijin Company to operate with acquaintance network based, there is no information asymmetry, so should be carried out in accordance with the prudential supervision of financial enterprise, of course the operational process exist beyond the scope of business, do not meet the standard of modern corporate governance structure and other issues; the third chapter The reason is simple analysis of Huijin folk lending organizations active, finally put forward two countermeasures for future development, first is the legislation introduced < lending regulations ", from the legitimacy of the legal level recognition of private lending organizations, and puts forward some legislative suggestions on the" lending Ordinance > draft; followed by the system level, should perfect the folk the lending organization through private lending center registration system, the development in the sun to guide the private lending behavior.

【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28

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