我国民间融资监管法律问题研究

发布时间：2018-04-17 16:49

本文选题：民间融资 + 法律制度　；参考：《山西财经大学》2015年硕士论文

【摘要】：民间融资是经济发展的产物，由于其顽强的生命力使得民间融资不仅在人类发展的历史长河中留下了深刻的痕迹，而且在我国也有着悠久的历史。众所周知，从建国以来，我国的金融环境并不理想，其根本原因在于民间融资具有风险性高、投机性强、体系脆弱、缺乏规范性等缺陷，使得民间融资在实践中一直处于法律体系之外，由此也对我国金融体系的安全、经济的发展和社会的稳定带来负面的影响。但是随着我国经济的蓬勃发展，民间融资在补充市场资本需求、优化资源配置等方面发挥着极其重要的作用，因此，我国对民间融资的排斥态度逐渐转变，在2015年的政府工作报告也曾提出了将具备条件的民间资本纳入金融系统中，建立多层次的金融体系。由于我国法律的滞后性，未能为民间融资提供宽松、合理的法律环境，使得民间融资一直处于法律的边缘地带，游走在金融体系之外。因此，在法律层面上对民间融资行为进行规制，将民间融资纳入金融体系中，对其进行合理适度的监管，将其与正规金融体系进行差异化监管，保障民间融资的正常发展，杜绝非法融资活动的频繁发生。司法的介入不仅有助于金融监管目标的实现、解决日益增多的民间融资纠纷、防范打击非法融资行为等，同时也可以弥补现有法律制度的漏洞以及监管不足的现象。在各国的交流和发展中，不同国家对民间融资都在立法层面以及监管方面做了不同程度的规定，虽然我国现阶段对于规制民间融资行为也有了一定的法律条文，但是这些条文散见于其他法律规章中，缺乏系统的协调性，因此要对民间融资重新界定，确认民间融资的主体资格，完善民间融资法律责任。同时也要借鉴各国对民间融资的监管模式，结合我国民间融资的发展现状，选择适合我国经济发展的监管模式，构建合理有效的监管体系，对民间融资进行适度监管。确定民间融资的合法地位，对民间融资进行适度监管，有助于促进民间融资和金融市场的发展，也有助于完善我国现行法律体系，，为民间融资营造一个规范、合理的市场环境和法律保障。本文试图从我国民间融资法律制度及监管的现状入手，站在法学的角度深入分析我国民间融资监管层面的缺陷，运用法理学知识对民间融资法律体系的完善以及监管体系的构建提出了粗糙的建议和措施，力求为民间融资法律制度的建立和监管体系的完善贡献微薄之力。
[Abstract]:Private financing is the product of economic development, because of its strong vitality makes the folk financing not only in the history of human development has left a deep mark in our country, but also has a long history. As everyone knows, since the founding of our country's financial environment is not ideal, the fundamental reason is that private financing risk high, highly speculative, fragility, lack of normative defect, making private financing in practice has been in legal system, the security of our financial system, have a negative impact on economic development and social stability. But with the vigorous development of China's economy, private financing in the capital market demand, play an extremely important role in optimizing the allocation of resources. Therefore, China's rejection of the folk financing attitude gradually changed, in 2015 the government work report has put forward The conditions of the private capital into the financial system, the establishment of a multi-level financial system.
Since the laws of our country lag, not for private financing to provide a relaxed, reasonable legal environment, the private financing has been at the edge of the law, wandering outside the financial system. Therefore, the regulation of private financing behavior in the legal level, the private finance into the financial system, reasonable moderate supervision of the with the formal financial system, differentiated supervision, to ensure the normal development of private financing, to prevent frequent illegal financing activities. Judicial intervention not only help to achieve the goal of financial supervision, to solve the increasing private financing disputes, preventing and combating the illegal financing behavior, but also can make up the existing legal loopholes and the lack of supervision.
In the exchange and development of countries in the different countries of the folk financing in legislative and regulatory provisions to do different, although our country at this stage for private financing behavior regulation has certain legal provisions, but these provisions in other laws and regulations, lack of coordination system, so to re the definition of private financing, private financing to confirm the qualification of the subject, improve civil legal responsibility. But also to learn from other countries, the supervision of private financing mode, combined with the current development of private financing in our country, choose the economic development of our country's supervision mode, build a rational and effective system of supervision, appropriate supervision of private financing.
To determine the legal status of private financing, appropriate supervision of private financing, help to promote the development of private financing and financial markets, but also help to improve China's current legal system, and create a standard for private financing, reasonable market environment and legal protection. This article attempts from the status quo of China's legal system of private financing and the supervision of station in-depth analysis of the defects of China's folk financing supervision level in view of law, construct the application of jurisprudence of the folk financing legal system and the perfection of supervision system and puts forward some suggestions to establish a rough, private financing legal system and supervision system of modest contribution.

【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

【参考文献】