论我国民间融资法律制度的构建

发布时间：2018-04-22 15:02

本文选题：民间融资 + 法律法规　；参考：《中央民族大学》2015年硕士论文

【摘要】：本文主要通过对邯郸地区民间融资状况进行分析,反映出我国目前民间融资的现状和问题,结合邯郸当地民间融资的特点和治理经验,得出了关于我国民间融资问题的法律制度构建的建议和方案。本文主要分为四个部分,第一部分主要介绍我国民间融资的发展情况,民间融资在促进中小企业扩大再生产等方面发挥了巨大的作用,但是也出现了一些问题,笔者通过邯郸地区的实际案例分析出民间融资发展的社会背景和特点,及其暴露的问题。由于中小企业的融资需求无法得到正规金融机构的满足,又因为民众手中大量剩余资金的存在,导致民间融资增长快,规模大,并具有主体多元化的特点,而且民间融资方式多样化,手续简单,交易灵活,除此之外,民间融资灵活性强,风险回报大；第二部分结合具体实际,总结了我国民间融资法律制度存在的问题,如法律制度的分散性和相互矛盾性,缺乏协调性和可行性,监管主体不明确等,通过对于这些问题的产生进行分析和研究,给出如何构建我国民间融资的法律制度的结论；第三部分主要通过借鉴世界其他国家和地区的关于民间融资的经验,如美国、德国、日本,试探索出适合我国国情的管理经验；第四章主要通过上文对问题的分析以及经验的借鉴,总结出四点关于构建我国民间融资法律制度的建议和措施,从立法、司法、行政和企业自身四个方面入手改善我国民间融资存在的问题,形成有效地法律体系,根本上解决民间融资的问题,促进经济健康发展。
[Abstract]:By analyzing the situation of folk financing in Handan area, this paper reflects the current situation and problems of folk financing in our country, combined with the characteristics and governance experience of local folk financing in Handan. The proposal and scheme about the legal system construction of the private financing in our country are obtained. This paper is divided into four parts. The first part mainly introduces the development of private financing in China. Private financing has played a great role in promoting the expansion of reproduction of small and medium-sized enterprises, but there are also some problems. The author analyzes the social background and characteristics of the development of private financing and its exposed problems through practical cases in Handan area. Because the financing needs of small and medium-sized enterprises can not be satisfied by formal financial institutions, and because of the existence of a large number of surplus funds in the hands of the public, the private financing has a rapid growth, a large scale, and has the characteristics of diversification of the main body. Besides, folk financing is flexible and risky. The second part summarizes the problems existing in the legal system of folk financing in our country. Such as the dispersion and contradiction of the legal system, the lack of coordination and feasibility, the unclear supervision body and so on. Through the analysis and study of these problems, the conclusion of how to construct the legal system of private financing in China is given. The third part mainly through drawing lessons from other countries and regions of the world on private financing experience, such as the United States, Germany, Japan, try to explore the management experience suitable for our national conditions; The fourth chapter mainly through the above analysis of the problem and experience, summed up four suggestions and measures on the construction of our country's private financing legal system, from the legislation, judicial, The four aspects of administration and enterprise themselves improve the existing problems of folk financing in our country, form an effective legal system, solve the problem of folk financing fundamentally, and promote the healthy development of economy.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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