我国小微企业民间融资法律问题研究

发布时间：2018-05-27 08:05

本文选题：小微企业 + 民间融资　；参考：《广东财经大学》2015年硕士论文

【摘要】：早在4000年前,我国就出现了民间金融,其是一种传统的融资方式,具有悠久的生存和发展历史。近年来,随着我国经济的蓬勃发展,银行等正规金融机构在贷款上由于自身和政策条件的限制,难以满足社会融资的迫切需要。而广泛的市场需求为民间融资营造了巨大的利润和发展空间,同时,政策法律的滞后,也为其规避法律法规的约束提供了可能。民间融资虽然方便了民间个人和组织团体的借款融资,但同时,由于其独立于我国正规的金融借贷行业之外,难以得到切实有效的指引和规制,产生了较大的消极影响。它在一定程度上冲击了我国现行的金融货币政策,扰乱了金融市场秩序,同时,还催生了高利贷、暴力收债等一系列违法犯罪现象,对社会的安定和谐、经济的快速稳定发展产生了较大的负面影响。而小微企业在这个市场经济主体中处于弱势的主体,其由于内在和外在的种种原因,融资难的问题在其身上表现的异常突出,要想快速有效地认清和解决小微企业民间融资存在的一系列问题,本文以我国小微企业融资难的困境为着手点,综合运用经济学、管理学等理论,采用理论分析和实证分析相结合的方法,借鉴国内外关于小微企业民间融资的理论和经验,通过提出问题、分析问题、解决问题的思路,对小微企业民间融资的法律问题进行分析和研究。全文总共分为五大部分,第一部分是引言。主要阐述了选题的背景和研究的意义,研究意义主要从理论意义和实践价值出发,进行详细的阐述。第二部分是小微企业民间融资的概述,即小微企业民间融资的基本问题。主要从三个维度进行研究,即对小微企业民间融资的必要性与可行性进行分析,对我国小微企业民间融资现状和我国小微企业民间融资的缺陷进行详细地剖析。第三部分是域外关于小微企业民间融资法律制度的经验借鉴,通过对美国、日本、英语、德国、香港地区、台湾地区关于小微企业民间融资法律制度的比较和借鉴,得出相关值得我国学习和参照的宝贵经验和结论。第四部分是针对我国小微企业民间融资出现的问题和缺陷,借鉴国外的先进经验,对完善我国小微企业民间融资提出法律建议,通过完善我国小微企业民间融资的法律制度、健全监督管理体制、完善小微企业信用担保法律体系的手段,对小微企业民间融资在发展过程出现的问题进行相对应的有效解决,从而更好的规范金融秩序,促进市场经济的健康稳健的快速发展。第五部分是结尾,对前文提出的问题得出的解决方案进行总结。
[Abstract]:As early as 4000 years ago, folk finance appeared in China, which is a traditional financing method with a long history of survival and development. In recent years, with the rapid development of our economy, banks and other formal financial institutions are unable to meet the urgent needs of social financing because of their own restrictions and policy conditions. The extensive market demand creates a huge profit and development space for private financing. At the same time, the lag of policy and law makes it possible to circumvent the restriction of laws and regulations. Private financing is convenient for private individuals and organizations to borrow money, but at the same time, it is difficult to get effective guidance and regulation because of its independence from the formal financial lending industry in China, which has had a great negative impact. To a certain extent, it has impacted the current financial and monetary policy of our country, disturbed the order of the financial market, at the same time, it has spawned a series of illegal and criminal phenomena, such as usury, violent debt collection, and so on, which have brought about social stability and harmony. The rapid and steady development of the economy has had a great negative impact. And small and micro enterprises are in a weak position in the main body of the market economy. Due to various internal and external reasons, the problem of financing difficulties is extremely prominent on them. In order to quickly and effectively recognize and solve a series of problems existing in private financing of small and micro enterprises, this paper takes the difficult position of financing of small and micro enterprises in China as the starting point, synthetically applies the theories of economics and management, etc. Adopting the method of combining theoretical analysis with empirical analysis, drawing lessons from the theory and experience of small and micro enterprises' folk financing at home and abroad, through raising problems, analyzing problems, solving the ideas of problems, This paper analyzes and studies the legal problems of private financing in small and micro enterprises. The full text is divided into five parts altogether, the first part is the introduction. This paper mainly expounds the background of the topic and the significance of the research, the significance of the research mainly from the theoretical significance and practical value, detailed elaboration. The second part is an overview of the private financing of small and micro enterprises, that is, the basic problems of private financing of small and micro enterprises. This paper analyzes the necessity and feasibility of private financing of small and micro enterprises, and analyzes the present situation of private financing of small and micro enterprises in China and the defects of private financing of small and micro enterprises in China. The third part is about the experience of the small and microenterprise private financing legal system, through the comparison and the reference to the small and micro enterprise folk financing legal system in the United States, Japan, English, Germany, Hong Kong, Taiwan area, the United States, Japan, English, Germany, Hong Kong area, Taiwan area. Draw relevant valuable experience and conclusions worth learning and reference. In the fourth part, aiming at the problems and defects of private financing of small and micro enterprises in our country, we draw lessons from the advanced experience of foreign countries, and put forward some legal suggestions to perfect the folk financing of small and micro enterprises in our country, through perfecting the legal system of folk financing of small and micro enterprises in our country. Perfecting the supervision and management system, perfecting the legal system of credit guarantee for small and micro enterprises, and effectively solving the problems arising in the development process of private financing of small and micro enterprises, so as to better standardize the financial order. To promote the healthy and steady rapid development of the market economy. The fifth part is the end, the solution to the above-mentioned problems are summarized.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

【参考文献】