我国民间融资疏导模式的法律分析
发布时间：2018-11-05 18:30
【摘要】：民间融资弥补了正规金融机构融资的不足之处,满足着正式金融机构不可能包揽的企业和群众在生产和生活中的融资需求。其优势在于民间融资灵活便捷,手续简便,可以相对快速的实现资金的融通,对于市场经济的需要反应迅速,从而促进经济发展。但是我国民间融资法律地位及主体不明确,缺乏监督和管理,民间融资相关法律法规条款分散,没有对民间融资行为做出系统的规范,与民间融资相关的的法律规定零星的分布在诸多法律法规中,而且大多数都是宽泛而模糊的,如《民法通则》、《合同法》、《商业银行法》、《刑法》等法律,民间融资相关的法律制度滞后于民间融资的发展且操作性、协调性差。除此之外,当前我国民间融资的疏导模式比较单一,主要为民间借贷,其他的疏导模式限制条件多,发展不够充分,因而对民间融资的疏导作用也很有限。因此,为促进民间融资的发展,应该在《合同法》、《商业银行法》等法律中明确规定民间融资疏导模式立法。改变我国民间融资单一的疏导模式格局,确立商业银行为民间融资主导性的疏导模式,确定小额信贷公司作为民间融资补充性的疏导模式,同时借鉴国外成功经验等。除此之外,还要进行立法方面的建设和完善,完善和修改相关法律,制定一些单行法规,增强相关法律间的协调性,立法确定民间融资的多种途径等。
[Abstract]:Private financing makes up for the deficiencies of formal financial institutions and meets the financing needs of enterprises and people in production and life which can not be taken by formal financial institutions. Its advantage is that folk financing is flexible and convenient, convenient procedures, can relatively quickly realize the financing, response to the needs of the market economy quickly, thus promoting economic development. However, the legal status and subject of private financing in China is not clear, lack of supervision and management, folk financing related laws and regulations are scattered, there is no systematic regulation of folk financing behavior. The laws and regulations related to private financing are scattered in many laws and regulations, and most of them are broad and vague, such as the General principles of Civil Law, contract Law, Commercial Bank Law, Criminal Law, etc. The related legal system of folk financing lags behind the development and operation of folk financing, and its coordination is poor. In addition, the current private financing model is relatively simple, mainly for private lending, the other modes of diversion restrictions, development is not sufficient, so the diversion of private financing is also very limited. Therefore, in order to promote the development of private financing, we should clearly stipulate the legislation of private financing diversion mode in the law of contract law and commercial bank law. To change the pattern of private financing in our country, to establish commercial banks as the leading mode of private financing, to establish microfinance companies as a supplementary mode of private financing, and to learn from the successful experience of foreign countries and so on. In addition, we should build and improve the legislation, perfect and modify the relevant laws, formulate some separate laws and regulations, enhance the coordination between the relevant laws, and legislate various ways to determine the private financing.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28
本文编号：2312982
[Abstract]:Private financing makes up for the deficiencies of formal financial institutions and meets the financing needs of enterprises and people in production and life which can not be taken by formal financial institutions. Its advantage is that folk financing is flexible and convenient, convenient procedures, can relatively quickly realize the financing, response to the needs of the market economy quickly, thus promoting economic development. However, the legal status and subject of private financing in China is not clear, lack of supervision and management, folk financing related laws and regulations are scattered, there is no systematic regulation of folk financing behavior. The laws and regulations related to private financing are scattered in many laws and regulations, and most of them are broad and vague, such as the General principles of Civil Law, contract Law, Commercial Bank Law, Criminal Law, etc. The related legal system of folk financing lags behind the development and operation of folk financing, and its coordination is poor. In addition, the current private financing model is relatively simple, mainly for private lending, the other modes of diversion restrictions, development is not sufficient, so the diversion of private financing is also very limited. Therefore, in order to promote the development of private financing, we should clearly stipulate the legislation of private financing diversion mode in the law of contract law and commercial bank law. To change the pattern of private financing in our country, to establish commercial banks as the leading mode of private financing, to establish microfinance companies as a supplementary mode of private financing, and to learn from the successful experience of foreign countries and so on. In addition, we should build and improve the legislation, perfect and modify the relevant laws, formulate some separate laws and regulations, enhance the coordination between the relevant laws, and legislate various ways to determine the private financing.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28
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