香港民间借贷立法经验借鉴
发布时间：2018-09-05 17:08
【摘要】：随着我国经济快速发展,正规金融机构已逐渐无法满足中小企业对资金的强烈需求,导致很多企业被迫将融资方式转入目前制度不够完善的民间借贷,由于目前国内民间借贷尚且缺乏一部系统完备的立法,引发许多值得关注的法律与社会问题,而香港当局出台的相关立法较为有效的规制了其借贷活动,对于香港完善以及规范借贷市场的有效经验值得我们予以学习和借鉴,用以在我们目前极具有争议的自然人职业经营放贷、提高借贷利率上限、民间借贷罪与非罪法律界限和民间借贷监管制度这些问题上找到解决方案。
[Abstract]:With the rapid economic development of our country, formal financial institutions have been unable to meet the strong demand for funds of small and medium-sized enterprises. As a result, many enterprises have been forced to transfer their financing methods to non-government loans with imperfect systems. At present, the lack of a systematic and complete legislation on private lending in China has caused many legal and social problems worthy of attention, and the relevant legislation issued by the Hong Kong authorities has effectively regulated its lending activities. The effective experience of perfecting and regulating the lending market in Hong Kong is worthy of our learning and learning. It can be used to lend in our currently highly controversial natural person profession and to raise the ceiling on lending rates. The legal boundary between non-criminal and non-criminal law and the supervision system of non-criminal lending should be solved.
【学位授予单位】：广东外语外贸大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D923
[Abstract]:With the rapid economic development of our country, formal financial institutions have been unable to meet the strong demand for funds of small and medium-sized enterprises. As a result, many enterprises have been forced to transfer their financing methods to non-government loans with imperfect systems. At present, the lack of a systematic and complete legislation on private lending in China has caused many legal and social problems worthy of attention, and the relevant legislation issued by the Hong Kong authorities has effectively regulated its lending activities. The effective experience of perfecting and regulating the lending market in Hong Kong is worthy of our learning and learning. It can be used to lend in our currently highly controversial natural person profession and to raise the ceiling on lending rates. The legal boundary between non-criminal and non-criminal law and the supervision system of non-criminal lending should be solved.
【学位授予单位】：广东外语外贸大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D923
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