企业借贷的效力探究

发布时间：2018-03-05 04:13

本文选题：企业借贷　切入点：效力　出处：《宁波大学》2015年硕士论文　论文类型：学位论文

【摘要】：长期以来,企业借贷“一刀切”地被禁止,而现实中却又存在着大量的企业借贷现象,这表明企业借贷本身存在合理性。司法实践中,不同地区的法院对待企业借贷的效力也不尽相同,导致企业借贷效力备受争议。本文通过对企业借贷效力制度的评析和企业借贷种类的梳理,提出企业借贷不能“一刀切”被禁止,而应该区分对待的观点。为了让司法实践中对企业借贷的效力有清晰的认识,本文还提出企业借贷有效的“四要件说”。论文共分四章:第一章主要介绍了企业借贷的定义与特征,认定企业借贷无效的相关规定以及对企业借贷效力制度进行了评析。指出认定企业借贷合同无效过于严苛、无明确的法律依据且与当前的融资现状不相吻合,认定企业借贷有效是大势所趋。第二章主要介绍了企业借贷种类的细分及区分认定企业借贷效力的原因。企业借贷可以分为民事性企业借贷和商事性企业借贷,自有资金企业借贷和信贷资金企业借贷以及保护性企业借贷和调整性企业借贷。区分认定企业借贷效力的原因主要是时代背景的不同、企业借贷的种类多元、私法理念以及优化社会融资结构方面阐述。第三章主要归纳了企业借贷的四个有效要件。四个有效要件分别为企业具有民事权利能力和民事行为能力、意思表示真实、借贷资金来源于企业自有资金和不违反法。第四章主要提出了一些完善建议。首先,法律上予以明确肯定企业借贷的效力,其次,区分清楚企业借贷的种类,再次明确规定企业借贷的有效要件,最后是对放贷资金规模的限制
[Abstract]:For a long time, the enterprise loan has been banned in a one-size-fits-all way, but in reality there is a large number of enterprise borrowing phenomenon, which indicates that the enterprise loan itself is reasonable. The effect of the courts in different regions on corporate lending is different, which leads to the controversy of the effectiveness of corporate lending. This paper analyzes the effectiveness of corporate lending system and sorts of corporate lending. In order to make a clear understanding of the effectiveness of corporate lending in judicial practice, it is proposed that enterprise lending should not be prohibited in a one-size-fits-all manner, but should be treated differently. The thesis is divided into four chapters: the first chapter mainly introduces the definition and characteristics of enterprise lending. The related provisions of determining the invalidity of enterprise loans and the system of enterprise lending effectiveness are analyzed. It is pointed out that the determination of invalidity of enterprise loan contracts is too harsh, has no clear legal basis and does not coincide with the current financing situation. The second chapter mainly introduces the subdivision of enterprise loan types and the reasons for distinguishing the validity of enterprise borrowing. Enterprise lending can be divided into civil enterprise loan and commercial enterprise loan. The reasons for distinguishing the effectiveness of enterprise borrowing and lending are mainly due to the different backgrounds of the times. The types of enterprise loans are various. The third chapter summarizes the four effective elements of enterprise borrowing and borrowing. The four effective elements are that the enterprise has the capacity of civil rights and the capacity of civil conduct, and the meaning is true. The loan fund comes from the enterprise's own capital and does not violate the law. Chapter 4th mainly puts forward some suggestions for perfection. First, the law clearly affirms the validity of enterprise borrowing, and secondly, it distinguishes clearly the types of enterprise borrowing. Once again specify the effective elements of corporate lending, and finally limit the size of lending funds
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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