小微企业民间借贷法律问题研究

发布时间：2018-03-29 12:52

本文选题：小微企业　切入点：民间借贷　出处：《烟台大学》2016年硕士论文

【摘要】：改革开放以来,小微企业成为推动市场经济高速增长的重要力量。然而,由于小微企业缺乏实力和担保,难以从正规金融机构获得资金支持,而不得不转向民间借贷领域。在民间借贷为小微企业融资提供便利的同时,不应忽视它所带来的法律风险。理清基本理论是解决问题的起点,对小微企业与民间借贷的概念、现状、特征等方面的界定是必须首先考虑的问题。在分析相关理论的基础上,结合当下金融体制的立法现状,从法律层面对小微企业与民间借贷存在问题进行剖析:公法层面界限不清、尚未制定专门立法、监管主体与监管制度严重缺位、服务机构体系和信用担保法律制度不健全。为了寻找应对之策,以域外的美国和日本为例,分别介绍两国的立法体系、机构设置、征信体系等相关内容,在此基础上总结其对我国相关制度的启示。为了构建和完善我国小微企业民间借贷法律制度体系,提出几点可行性建议:首先在公法层面明确民间借贷与非法集资罪的界限;其次,进一步构建相关法律制度的规范体系,确立基本原则、制定专门规范、修改和细化现有法律法规;同时,完善小微企业民间借贷融资服务机构与服务制度;再次,建立科学多元的小微企业民间借贷监管体系;最后,加快信用征信体系建设,完善小微企业民间借贷信用担保体系。
[Abstract]:Since the reform and opening up, Small and micro businesses has become an important force to promote the rapid growth of market economy. However, due to Small and micro businesses lack of strength and security, is difficult to obtain financial support from formal financial institutions, and had to turn to the field of private lending. In private lending for Small and micro businesses provide financing convenience at the same time, it should not ignore the legal risk the starting point is to sort out the basic theory. To solve the problem, for small and micro enterprises and the concept, the status of private lending, defining characteristics and other aspects is the problem which must be considered. Based on the analysis on the related theories, combined with the current status of the legislation of the financial system, the legal aspects of Small and micro businesses and private lending exists analyze the question: public law is unclear, has not set up special legislation, supervision and supervision system lack of legal system, service system and credit guarantee is not perfect. The search for countermeasures, in order to outside of the United States and Japan as examples, introduces the legislative system, the two institutions, credit system and other related content, on the basis of summarizing the enlightenment to our system. In order to construct and perfect our legal system of private lending to small and micro enterprise system, puts forward some feasible suggestions. In the first level of clear boundary between public law private lending and crime of illegal fund-raising; secondly, normative system further constructing the relevant legal system, establishing the basic principles, formulate special specification, revision and refinement of the existing laws and regulations; at the same time, improve the Small and micro businesses of private lending and financing services and service system; thirdly, establish scientific and diversified small and micro enterprise private lending regulatory system; finally, accelerate the construction of credit system, perfect Small and micro businesses private lending credit guarantee system.

【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.282

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