我国民间金融风险的法律控制研究

发布时间：2018-07-10 00:03

  本文选题：民间金融 + 金融风险　； 参考：《河南师范大学》2015年硕士论文

【摘要】：2008年,国家金融危机对世界各国的经济发展产生了重要的影响,虽然经济复苏的形势越来越乐观,但至少证实了金融对于经济发展具有重要的作用。随着改革开放的深入,民间金融也逐渐活跃,它为中小企业的发展提供了资金保障,弥补了国家正式金融的不足。但因缺乏法律规制,民间金融的风险也逐渐显露,甚至对地域经济和社会安定也产生了不利的影响。为此,国家采用刑法进行严厉打击,使得民间金融的发展处于有发展需求但又难以充分发挥其优势的尴尬境地。如何因势利导,运用法律的手段,保障民间金融积极发挥的作用,同时尽最大努力避免风险的发生成为今后经济发展面临的重要问题。民间金融是与国家金融相对应的,是游离于国家正式金融之外的融资制度。民间金融主要表现在它具有一定的地域性、灵活性和市场性。对民间金融风险控制的必要性以及目前我国民间金融风险控制体系存在的监管和法律问题进行论述。国家金融来源于民间金融,它是民间金融高度组织化、成熟化的阶段,并且被国家所认可的形态。民间金融之所以成为学者热议的话题,就是凭借着自身灵活性的优势,为快速发展中的经济注入新的活力,尤其是对中小企的发展,作用尤为明显。但同时,民间金融的风险也给自身带来生存的尴尬,这就使得民间金融风险的监控成为必要性。挤兑时间的发生、非法集资案件频发等使国家通过刑法予以打压。而这就是因为国家与法律对民间金融地位的不承认,法律制度的不完善,造成了合理的民间金融无法受到保护,受损的利益不能得到弥补。本文通过运用比较法的视角,系统介绍了德国、美国、法国、日本和我国台湾地区的民间金融法律规制制度,为我们提供在原则、立法以及风险控制上的的参考。第四章,在之前论证基础上,提出完善我国民间金融风险控制的法律制度设想。首先是要坚持六个基本原则,并以此为基点,构筑一个完整的法律体系。其次是在立法上要体现六项原则,要重视各个法律部门之间的协调,不致刑法调整过重,要合理划分范围。再次是构筑以政府监控为主,以自律协会监控为辅的监管制度。最后是建立和完善其它配套制度,包括征信机制与纠纷解决机制等,以适应灵活发展的形势。
[Abstract]:In 2008, the national financial crisis had an important impact on the economic development of all countries in the world. Although the situation of economic recovery is becoming more and more optimistic, it has at least proved that finance plays an important role in economic development. With the deepening of reform and opening up, private finance is also gradually active, it provides financial guarantee for the development of small and medium-sized enterprises, and makes up for the lack of national formal finance. However, due to the lack of legal regulation, the risk of private finance is gradually revealed, even to the regional economic and social stability has a negative impact. Therefore, the country adopts criminal law to crack down severely, which makes the development of private finance in the awkward situation of development needs but difficult to give full play to its advantages. How to make good use of the law to protect the role of private finance and try our best to avoid the occurrence of risks becomes an important problem in the future economic development. Folk finance is corresponding to national finance, and it is a financing system outside the state's formal finance. Private finance is mainly manifested in its regional, flexibility and market. This paper discusses the necessity of private financial risk control and the supervision and legal problems existing in our country's private financial risk control system. National finance comes from folk finance. It is a highly organized and mature stage of folk finance, and is recognized by the state. The reason why folk finance has become a hot topic among scholars is to inject new vitality into the rapid development of economy, especially for the development of small and medium-sized enterprises, with the advantage of flexibility. But at the same time, the risk of private finance also brings the embarrassment of survival, which makes it necessary to monitor the risk of private finance. The occurrence of the time of the run and the frequent occurrence of illegal fund-raising cases make the state suppress it through the criminal law. This is because the state and the law do not recognize the status of private finance, the legal system is not perfect, resulting in reasonable private finance can not be protected, damage to the interests can not be compensated. From the perspective of comparative law, this paper systematically introduces the legal regulation system of folk finance in Germany, the United States, France, Japan and Taiwan, which provides us with reference on principle, legislation and risk control. Chapter four, on the basis of previous argumentation, puts forward the assumption of perfecting the legal system of non-governmental financial risk control in our country. First, we must adhere to the six basic principles, and build a complete legal system. Secondly, it is necessary to embody the six principles in legislation, pay attention to the coordination among various legal departments, avoid the excessive adjustment of criminal law, and reasonably divide the scope. The third is to build a regulatory system based on government monitoring, supplemented by self-discipline association monitoring. Finally, it is necessary to establish and perfect other supporting systems, including credit investigation mechanism and dispute resolution mechanism, in order to adapt to the situation of flexible development.
【学位授予单位】：河南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28
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本文编号：2111231