民间借贷风险及防控研究

发布时间：2018-05-28 00:11

本文选题：民间借贷 + 非正式金融机构　；参考：《南昌大学》2015年硕士论文

【摘要】：民间借贷指的是在社会个人、企业及其他组织之间发生的活动,主要以货币资金为标准进行价值让渡,并采取本息偿付的方式。一般讲民间借贷,我们均将其范围局限于民事行为,主要是发生于自然人、法人及其他组织之间一种借贷民事行为,且将金融机构的借贷排除在外。从这个意义上而言,民间借贷是金融机构借贷的一种补充形式。与此同时,民间借贷作为一种重要的配置手段,在很多方面发挥着较为重要的作用,比如补充资金不足、合理配置资源以及促进经济发展等等。但是绝大多数事情均是具有两面性的,民间借贷给社会带来好处的同时,也给人们的经济社会生活产生不好的影响。在解决不好影响的过程中,政府以及立法机关的角色十分重要,政府要积极认识到民间借贷监管的缺失,立法机关应及时跟上社会变迁,制定并完善更多合乎现状的法律制度。进而实现在正规金融机构与民间借贷之间,让资金在同等条件下进行合理分布,引导和规范民间发展势在必行。在引言部分,笔者从国外民间借贷法律规制与我国民间借贷法律规制入手,介绍本选题缘由,同时重点介绍美国、德国以及日本三国民间借贷法律规制的基本制度,引出我国民间借贷法律规制的未来发展趋势。在第二章,笔者从民间借贷的理论与类型入手分析,重点探讨民间借贷生成原因与现实类型,并探讨我国立法现状下民间借贷的概念。在第三章,笔者从民间借贷的积极影响与消极影响两个层面,阐述完善我国民间借贷法律规制对我国社会及经济发展的重要意义所在。在第四章,笔者从政府监管、刑法规制以及民法规范等三个层面探讨民间借贷的法律规制现状。在第五章,从行政法、民法以及刑法三个层面分别提出完善民间借贷监管体系、完善民间借贷基本法律制度以及加强刑事规制三个策略。
[Abstract]:Private lending refers to the activities that occur between social individuals, enterprises and other organizations, which mainly use monetary funds as the standard for the transfer of value and the way of repayment of principal and interest. Generally speaking, the scope of private lending is limited to civil conduct, mainly occurs between natural persons, legal persons and other organizations, and excludes the lending of financial institutions. In this sense, private lending is a supplementary form of lending by financial institutions. At the same time, as an important means of allocation, private lending plays a more important role in many aspects, such as insufficient supplementary funds, rational allocation of resources and promotion of economic development. But most of the things have two sides, folk loans bring benefits to the society, but also to people's economic and social life has a bad impact. In the process of solving the bad influence, the role of the government and the legislature is very important. The government should actively recognize the lack of the supervision of private lending, and the legislature should keep up with the social changes in time, and formulate and improve more legal systems in line with the status quo. Therefore, it is imperative to realize the rational distribution of funds between the formal financial institutions and private loans under the same conditions, and to guide and standardize the development of the private sector. In the foreword part, the author starts with the legal regulation of foreign folk loan and our country's folk loan, introduces the reason of this topic, and introduces the basic system of the three countries of America, Germany and Japan. Leads to our country folk loan law regulation the future development tendency. In the second chapter, the author analyzes the theory and types of folk lending, focuses on the reasons for the formation of private lending and the actual types, and discusses the concept of folk lending under the current legislative situation of our country. In the third chapter, the author expounds the significance of perfecting the legal regulation of folk lending to the social and economic development of our country from the two aspects of the positive and negative effects of private lending. In the fourth chapter, the author discusses the current situation of the legal regulation of private lending from three aspects: government supervision, criminal law regulation and civil law regulation. In the fifth chapter, from the three levels of administrative law, civil law and criminal law, the author puts forward three strategies: perfecting the supervision system of folk loan, perfecting the basic legal system of folk loan and strengthening the criminal regulation.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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