我国民间金融的法律规制问题研究

发布时间：2018-03-26 13:38

本文选题：民间金融　切入点：金融监管　出处：《湖南工业大学》2017年硕士论文

【摘要】：我国的民间金融历史悠久,随着不同阶段的社会经济发展和国家政策的变化,民间金融的发展速度时快时慢。我国经济自改革开放以来,进入发展黄金时期,经济增长速度更是让世界瞩目,这样快速的经济发展对投融资有了更高的需求。我国的正规金融因其高要求高标准的特点,在投融资方面显然无法满足人们的需求,而民间金融因其形式灵活、融资门槛低等优点,得到人们的青睐,继而发展迅速,尤其在支撑我国中小企业发展方面做出了巨大的贡献。现在,民间金融已经成为我国金融市场的不可缺少的一部分,是我国正规金融的重要补充。本文从法律规制的角度对我国民间金融的法律规制中存在的问题进行分析和研究,意在为民间金融的发展创造良好的法制环境,以引导民间金融的健康有序发展。本文首先对民间金融进行概述,其次对我国民间金融法律规制的发展历程和现状进行了分析,然后探讨了域外优秀的民间金融法律规制实践成果,最后对我国民间金融的法律规制的完善提出建议。文章第一部分对民间金融进行概述,对民间金融的概念进行了界定,从组织形式、经营性标准、发展程度方面对民间金融进行类型化分析,为后续讨论立法、监管问题做铺垫。文章接着进行了民间金融的功能性分析,突显出对民间金融法律规制的重要性。文章第二部分是对我国目前民间金融法律规制问题的分析。文章先对概括回顾了我国民间金融法律规制历程,接着根据我国民间金融法律规制的现状,从法律地位、监管制度和法律责任方面分析其存在的问题,方便下文的完善建议对症下药。文章第三部分介绍了域外国家或地区优秀的民间金融法律规制实践成果,以及在立法、具体规范设计、监管方面对我国的启示,为我国民间金融法律规制提供探索思路。文章第四部分是本文的重点章节,是对完善我国民间法律规制的建议。本章首先从立法方面提出要健全民间金融的基础性法律,其次从监管部门、监管权限、监管内容三方面对民间金融的监管制度提出改善意见,并提出健全相关的配套措施,比如建立民间金融征信体系、推进民间金融与正规金融的合作和向微型正规金融转型的制度建设。
[Abstract]:Our country has a long history of folk finance. With the development of social economy and national policy at different stages, the development of folk finance is fast and slow. Since the reform and opening up, our economy has entered a golden period of development. The speed of economic growth has attracted the attention of the world. With such rapid economic development, there is a higher demand for investment and financing. Due to its high requirements and high standards, China's formal finance obviously cannot meet the needs of people in terms of investment and financing. Private finance, because of its advantages of flexible form and low threshold of financing, has been favored by people, and has developed rapidly, especially in supporting the development of small and medium-sized enterprises in China. Now, Folk finance has become an indispensable part of our financial market and an important supplement to China's formal finance. This paper analyzes and studies the problems existing in the legal regulation of Chinese folk finance from the perspective of legal regulation. The purpose of this paper is to create a good legal environment for the development of private finance in order to guide the healthy and orderly development of folk finance. Then it discusses the practice results of the excellent legal regulation of folk finance abroad, and finally puts forward some suggestions on the perfection of the legal regulation of the folk finance in our country. The first part of the article gives an overview of the folk finance, defines the concept of the folk finance. From the aspects of organizational form, operating standards and development degree, the paper analyzes the types of folk finance, paving the way for further discussion on legislation and supervision. Then, the article makes a functional analysis of folk finance. The second part is the analysis of the current legal regulation of folk finance in China. First, the article reviews the history of the legal regulation of folk finance in China. Then according to the current situation of the legal regulation of the folk finance in our country, the existing problems are analyzed from the aspects of the legal status, the supervision system and the legal responsibility. The third part of the article introduces the outstanding achievements of the foreign countries or regions in the practice of private financial legal regulation, as well as the enlightenment to our country in the aspects of legislation, concrete standard design and supervision. The fourth part of the article is the key chapter of this article, is to improve the folk law regulation of our country, this chapter first put forward from the legislative aspect to perfect the basic law of folk finance, the fourth part of this article is the key chapter of this article, is the suggestion to perfect the folk law regulation of our country. Secondly, from the supervision department, the supervision authority, the supervision content three aspects to the folk finance supervision system proposed the improvement opinion, and proposed the consummation related supporting measure, for example, establishes the folk finance credit information system, Promote the cooperation between private finance and formal finance and the institutional construction of the transition to micro-formal finance.
【学位授予单位】：湖南工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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