全球化背景下我国民间金融的法律规制

发布时间：2018-06-27 00:37

本文选题：全球化 + 金融全球化　；参考：《西南政法大学》2015年硕士论文

【摘要】：几十年来,民营经济为我国经济发展注入了新的活力,极大的促进了我国经济的快速发展,但其从正规金融得到的资金支持却微乎其微。长期以来,民间金融有效弥补了正规金融的不足,为创造了60%以上GDP增长的民营经济提供了强有力的资金支持。与此同时,由于长期采取金融抑制政策所形成的路径依赖,导致我国对民间金融的规制也保持着以打击、取缔为主的制度惯性,民间金融法律规制体系始终处于缺位状态。近些年来,民间金融在整个金融市场中越来越活跃,不仅规模和范围不断扩张,其形式也在不断创新,民间金融在整个金融体系中的地位已经越来越重要。但是,随着民间金融的地域性不断被突破,其原本主要依靠民间信用和道德伦理为基础的自治体系已经越来越乏力,因此,我国民间金融在快速发展的同时也暗藏着一定的金融风险。直面当下,随着金融全球化的不断深化,域外国家或地区纷纷变革其金融法律制度,以最大化的发挥其民间金融的效用,我国部分省市如温州、山东、广东、云南等地也迈出了从法治角度创新民间金融规制的脚步,并取得了良好的成效。因此,在金融全球化的时代背景下,我国应尽快为民间金融搭建一个清晰的法律规制框架,以建立一个更具包容性的金融体系,增强我国经济的抗震性。从本文的逻辑结构来看,除了引言和结语,全文共有五个部分。第一部分:民间金融概述。具体包括民间金融的界定、特征和发展现状,并在此基础上分析了我国民间金融当前所面临的困境。第二部分:民间金融法律规制的理论基础。从经济学、政治学和法理学三个方面对民间金融法律规制的正当性和必要性进行了充分的论证。第三部分:全球化背景下我国民间金融法律规制的现实问题。以金融全球化背景下的金融安全为视角,剖析其对我国金融法律制度提出的要求,并对我国民间金融法律规制的现状与缺陷进行了分析,这也是本文的重点和难点所在。第四部分:域内外民间金融法律规制实践及启示。主要介绍了美国的社区银行模式、日本的轮转基金模式、孟加拉国的乡村银行模式和我国台湾地区的民间合会模式,并对我国温州、山东、广东、云南等地的地方性民间金融规制文本进行了梳理,最后得出域内外法律规制实践对我国的启示。第五部分:全球化背景下我国民间金融法律规制的实现路径。在金融全球化背景下,通过法律规制理念的革新和框架性的制度构建,消除金融抑制政策的制度惯性,最终实现民间金融的规范化、法制化发展。
[Abstract]:In recent decades, the private economy has injected new vitality into the economic development of our country, which has greatly promoted the rapid development of our economy, but its financial support from the formal finance is very little. For a long time, private finance has effectively made up for the deficiency of formal finance, and has provided strong financial support for the private economy which has created more than 60% GDP growth. At the same time, because of the path dependence formed by the long-term adoption of financial suppression policy, the regulation of folk finance in our country also maintains the institutional inertia of cracking down and outlawing, and the legal regulation system of folk finance is always in a state of absence. In recent years, private finance has become more and more active in the whole financial market, not only in its scale and scope, but also in the form of innovation. Private finance has become more and more important in the whole financial system. However, with the breakthrough of the regional nature of folk finance, the autonomy system, which originally relied mainly on folk credit and moral ethics, has become increasingly weak. At the same time, there are some financial risks hidden in the rapid development of private finance in our country. Facing up to the present, with the deepening of financial globalization, foreign countries or regions have changed their financial legal systems one after another in order to maximize the effectiveness of their folk finance. Some provinces and cities in China, such as Wenzhou, Shandong, Guangdong, Yunnan and other places have also taken the step of innovating folk financial regulation from the angle of rule of law, and have achieved good results. Therefore, under the background of financial globalization, China should set up a clear legal regulatory framework for private finance as soon as possible in order to establish a more inclusive financial system and enhance the earthquake resistance of our economy. From the logical structure of this paper, in addition to the introduction and conclusion, there are five parts. Part one: summary of private finance. It includes the definition, characteristics and present situation of folk finance, and analyzes the predicament that our country folk finance faces at present. The second part: the theoretical basis of the legal regulation of folk finance. The legitimacy and necessity of legal regulation of folk finance are fully demonstrated from three aspects of economics, political science and jurisprudence. The third part: under the globalization background, our country folk finance legal regulation realistic question. From the perspective of financial security under the background of financial globalization, this paper analyzes the requirements of our financial legal system, and analyzes the present situation and defects of the legal regulation of folk finance in China, which is also the focus and difficulty of this paper. The fourth part: the practice and enlightenment of private financial legal regulation inside and outside the region. It mainly introduces the community banking model in the United States, the rotation fund model in Japan, the rural bank model in Bangladesh and the folk association model in Taiwan. The text of local folk financial regulation in Yunnan and other places is combed, and finally, the enlightenment to our country from the practice of legal regulation inside and outside the territory is obtained. The fifth part: under the globalization background, our country folk finance legal regulation realization path. Under the background of financial globalization, through the innovation of the idea of legal regulation and the establishment of the frame system, the institutional inertia of the financial suppression policy is eliminated, and the standardization and legalization development of the folk finance is finally realized.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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