民间借贷的衍变与法律规制得失探讨——以1978-2000年间的民间金融发展为视角
发布时间：2018-09-05 21:23
【摘要】：1978-2000年间,商品经济发展与金融体系资金供给不足的矛盾是民间借贷得以存在的条件。金融体制改革初期,法律法规的不健全及政府、银行部门的包容,给民间借贷提供了发展契机。金融体制改革的深化,确立了以国有银行为代表的正规金融机构对金融市场的垄断地位,而严厉的金融管制使民间金融活动面临非法集资的窘境。对民间借贷在金融市场中的合理定位,及正确评估其对市场经济发展的影响,是决定法律对民间借贷应采取何种规制模式的关键。
[Abstract]:From 1978 to 2000, the contradiction between the development of commodity economy and the insufficient supply of funds in the financial system was the condition for the existence of private lending. At the beginning of the reform of financial system, the imperfect laws and regulations and the tolerance of the government and the banking sector provided opportunities for the development of private lending. With the deepening of the reform of the financial system, the monopoly position of the formal financial institutions, represented by the state-owned banks, over the financial market has been established, and strict financial control has made private financial activities face the dilemma of illegal fund-raising. The rational orientation of private lending in the financial market and the correct evaluation of its influence on the development of market economy are the key to decide what kind of regulation mode the law should adopt to private lending.
【作者单位】： 江苏警官学院;
【基金】：江苏高校优势学科建设工程资助项目 江苏省法学会法学研究课题《民间借贷、非法集资的衍变与规制探讨》(项目批准号:SFH2014D17) 江苏省社会科学基金项目《我国金融市场发展与民间金融的法律规制研究》(项目批准号:14FXD002)的阶段性成果
【分类号】：D922.281
[Abstract]:From 1978 to 2000, the contradiction between the development of commodity economy and the insufficient supply of funds in the financial system was the condition for the existence of private lending. At the beginning of the reform of financial system, the imperfect laws and regulations and the tolerance of the government and the banking sector provided opportunities for the development of private lending. With the deepening of the reform of the financial system, the monopoly position of the formal financial institutions, represented by the state-owned banks, over the financial market has been established, and strict financial control has made private financial activities face the dilemma of illegal fund-raising. The rational orientation of private lending in the financial market and the correct evaluation of its influence on the development of market economy are the key to decide what kind of regulation mode the law should adopt to private lending.
【作者单位】： 江苏警官学院;
【基金】：江苏高校优势学科建设工程资助项目 江苏省法学会法学研究课题《民间借贷、非法集资的衍变与规制探讨》(项目批准号:SFH2014D17) 江苏省社会科学基金项目《我国金融市场发展与民间金融的法律规制研究》(项目批准号:14FXD002)的阶段性成果
【分类号】：D922.281
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