论民间借贷的法律调整

发布时间：2019-06-14 02:09

【摘要】：改革开放以来,私营企业在市场经济中起到举足轻重的作用,成为国民经济的支柱。随着私营企业的大规模发展,有些问题也渐渐显露出来。没有足够的资金运转,私营企业遇到难题,而民间资本雄厚,正好可以解决私营企业的融资问题。于是,民间借贷快速发展,越来越受到人们的关注,随着社会法治化进程的加快以及现实生活中相关案件的发生和争议,民间借贷的法律调整问题逐渐受到学者们的高度关注。我国现阶段关于民间借贷的法律规定散见于《民法通则》、《合同法》和一些司法解释中,并没有形成一个专门的体系。这些零散的法律法规有的在实际运用中凸显出操作难和与实际情况不相符合的问题。浙江的吴英案引起社会各界的关注,对于民间借贷与非法集资之间究竟存在怎样的关系值得我们深入研究。本文试图对民间借贷在实际操作中出现的问题从法律调整方面作粗浅的探讨,提出一些具体的建议。本文一共分为三大部分,现对各部分的内容简要叙述：第一部分主要是对民间借贷基本问题的阐述,阐述了民间借贷的概念、基本特征、种类和现状；第二部分主要研究我国法律对民间借贷调整的现状,先总结和阐释我国法律法规和司法解释中关于民间借贷的相关规定,再提出我国民间借贷法律调整所遇到的问题；第三部分针对法律调整中存在的问题提出完善的对策和建议,包括形成统一的民间借贷法律规范；明确划分民间借贷与非法集资的界限并坚持合法民间借贷、打击非法集资；放松对民间借贷利率的监管,使借贷利率市场化；完善对民间借贷法律监管方面的建议,如完善市场准入机制、重视风险监控、增强信息的透明度等。
[Abstract]:Since the reform and opening up, private enterprises have played an important role in the market economy and become the pillar of the national economy. With the large-scale development of private enterprises, some problems have gradually emerged. Without enough funds, private enterprises encounter problems, and private capital is abundant, which can solve the financing problems of private enterprises. As a result, people pay more and more attention to the rapid development of private lending. With the acceleration of the process of social legalization and the occurrence and controversy of related cases in real life, the legal adjustment of private lending has been paid more and more attention by scholars. At present, the legal provisions on private lending in China are scattered in the General principles of Civil Law, contract Law and some judicial interpretations, and no special system has been formed. Some of these scattered laws and regulations highlight the problems that are difficult to operate and inconsistent with the actual situation. The Wu Ying case in Zhejiang Province has attracted the attention of all walks of life. What kind of relationship between private lending and illegal fund raising is worthy of our in-depth study. This paper attempts to make a superficial discussion on the problems of private lending in practical operation from the aspect of legal adjustment, and puts forward some concrete suggestions. This paper is divided into three parts, the content of each part is briefly described: the first part is mainly on the basic problems of private lending, elaborated the concept of private lending, basic characteristics, types and status quo; The second part mainly studies the present situation of the adjustment of private lending in the law of our country, first summarizes and explains the relevant provisions of the laws and regulations and judicial interpretation of our country on private lending, and then puts forward the problems encountered in the legal adjustment of private lending in our country. The third part puts forward some perfect countermeasures and suggestions for the problems existing in the legal adjustment, including the formation of a unified legal norms of private lending. Clearly divide the boundary between private lending and illegal fund-raising and adhere to legal private lending to crack down on illegal fund-raising; relax the supervision of private lending interest rate to make the lending rate market-oriented; improve the legal supervision of private lending and lending, such as perfecting the market access mechanism, paying attention to risk monitoring, enhancing the transparency of information, and so on.
【学位授予单位】：扬州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D923.6

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