委托贷款的法律规制

发布时间：2018-05-28 11:28

本文选题：委托贷款 + 商业银行　；参考：《中国社会科学院研究生院》2016年硕士论文

【摘要】：近年来,银行信贷收紧,委托贷款业务迅猛扩展。由于商业银行在委托贷款业务上的过度创新,加之委托贷款的法律制度建设和监管相对滞后,导致委托贷款业务出现了诸多风险,影响到实体经济的发展。鉴于委托贷款的发展形势、面临风险及其影响,本文对委托贷款进行了系统研究,通过比较分析,梳理委托贷款在法律层面和金融层面上存在的问题,提出了监管和法律规制建议。本文分为四章,第一章是委托贷款的概述,对委托贷款的概念和特征进行了描述,对委托贷款进行了重新界定,并分析了委托贷款的作用。第二章是委托贷款的比较分析,对委托贷款与商业贷款、信托贷款、民间借贷进行了比较分析,进一步揭示了委托贷款的性质。第三章是委托贷款的风险和监管现状,分析了委托贷款现在面临的风险,包括法律风险和金融风险,其中法律风险主要是卷入诉讼的风险和借款合同无效的风险,金融风险主要是信用风险、操作风险和宏观调控风险。第四章是委托贷款的监管和规制,就委托贷款的监管和法律规制给出了建议,在明确委托贷款的监管价值目标和原则之后,对委托贷款的业务监管和风险监管提出了具体的法律法规完善措施,并对违反这些法律法规的行为提出了相应的惩罚建议。本文的创新之处在于从金融监管的角度研究委托贷款,一是在民间借贷合法化的情况下论证了委托贷款存在的必要性,二是避免委托贷款可能引发的风险需要完善相关监管制度。通过本文的研究,希望为委托贷款在新时期新形势下的监管和法律规制提供有意义的参考,以促进委托贷款业务的健康发展。
[Abstract]:In recent years, bank credit is tight, entrust loan business expands rapidly. Due to the excessive innovation in the entrusted loan business of commercial banks and the lag in the construction and supervision of the legal system of entrustment loan, there are many risks in the entrusted loan business, which affect the development of the real economy. In view of the development situation of entrustment loan, facing the risk and its influence, this paper makes a systematic study on the entrustment loan, and through comparative analysis, combs the problems existing in the legal and financial aspects of the entrustment loan. The suggestions of supervision and legal regulation are put forward. This paper is divided into four chapters. The first chapter is an overview of entrusted loans, the concept and characteristics of entrusted loans are described, the entrusted loans are redefined, and the role of entrusted loans is analyzed. The second chapter is the comparative analysis of entrustment loans, commercial loans, trust loans, private loans, and further reveals the nature of entrusted loans. The third chapter is about the risk of entrustment loan and the current situation of supervision, and analyzes the risk of entrustment loan, including legal risk and financial risk, in which the legal risk is mainly involved in litigation and the risk of invalid loan contract. Financial risk is mainly credit risk, operational risk and macro-control risk. The fourth chapter is the supervision and regulation of entrustment loan, and gives some suggestions on the supervision and legal regulation of entrustment loan. This paper puts forward concrete measures to perfect the laws and regulations of the business supervision and risk supervision of entrustment loan, and puts forward the corresponding punishment suggestions for the violation of these laws and regulations. The innovation of this paper lies in the research of entrustment loan from the angle of financial supervision. First, it demonstrates the necessity of the existence of entrustment loan in the case of legalizing private lending. Second, to avoid the risks that may arise from entrusted loans, we need to improve the relevant regulatory system. Through the research of this paper, we hope to provide a meaningful reference for the supervision and legal regulation of entrustment loan in the new period and new situation, so as to promote the healthy development of entrusted loan business.
【学位授予单位】：中国社会科学院研究生院
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.282

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