小微企业民间融资的法律规制

发布时间：2018-04-19 08:10

本文选题：小微企业 + 民间融资　；参考：《黑龙江大学》2015年硕士论文

【摘要】：近年来,资金缺乏且融资难这一巨大难题严重困扰着大部分小微企业,使它们的生存和发展受到限制。银行贷款融资作为小微企业的主要融资渠道,其融资方式单一,有待创新出新的融资方式。民间融资能够对民间资金进行有效、合理配置,能够满足小微企业的资金需求,逐渐成为了小微企业的主要融资方式,再加上小微企业自身的资金需求难以从银行等金融机构得到满足,民间融资更是成为了小微企业的首选融资方式。在融资的过程中,信用担保机构和小额贷款公司发挥了巨大的作用,但是由于我国的小微企业民间融资法律体系还没有形成,使得信用担保机构以及小额贷款法律制度不完善,这不仅阻碍了小微企业的发展,还严重影响我国经济的持续发展和社会的和谐稳定,因此对小微企业民间融资业务操作的法律规制已迫在眉睫。本文旨在通过对民间融资法律体系、信用担保法律制度以及小额贷款法律制度的研究,解决小微企业融资难这一迫在眉睫的困境,维护经济秩序和谐稳定的同时促进小微企业自身的发展。
[Abstract]:In recent years, the huge problem of lack of funds and difficulty of financing has seriously troubled the majority of small and micro enterprises and restricted their survival and development.Bank loan financing is the main financing channel for small and micro enterprises.Private financing can effectively and reasonably allocate private funds, can meet the capital needs of small and micro enterprises, and has gradually become the main financing method of small and micro enterprises.In addition, it is difficult for small and micro enterprises to meet their own capital needs from banks and other financial institutions. Private financing has become the preferred financing method for small and micro enterprises.In the process of financing, credit guarantee institutions and micro-loan companies have played a great role, but because of the small and micro enterprises in China's private financing legal system has not been formed, making the credit guarantee institutions and microfinance legal system is not perfect.This not only hinders the development of small and micro enterprises, but also seriously affects the sustainable development of our economy and social harmony and stability.The purpose of this paper is to solve the urgent dilemma of financing of small and micro enterprises by studying the legal system of private financing, the legal system of credit guarantee and the legal system of micro-credit.Maintain economic order and stability while promoting the development of small and micro-enterprises themselves.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F276.3;D922.28

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