农村金融借贷信息不对称的法律规制

发布时间：2018-02-14 09:44

本文关键词： 农村金融民间借贷信息不对称制度激励　出处：《南昌大学》2017年硕士论文　论文类型：学位论文

【摘要】：作为一种古老的信用形式,民间借贷在相当长的一段时间内都保有鲜活的生命力。近年来,随着我国社会主义市场经济的深入发展,资金供需矛盾不断突出,单一的正规金融借贷已不能满足借贷市场的需求。在这一大背景下,民间借贷逐渐呈现繁荣景象,而其在广大的农村地区表现尤甚。总体而言,农村金融借贷在很大程度上推动了农村资金的流动,活跃了农村金融市场,保障了农户与乡镇企业的生存与生产,对我国农村经济起到了极大的促进作用。然而,农村金融借贷自发性、盲目性以及相关主体的不对等性引发了农村金融借贷市场的信息不对称现象,这一现象的出现又进一步加剧了农村金融借贷市场自身诸如利息率过高、缺乏有效监管等问题,使得农村金融市场趋于混乱。本文着眼于我国农村金融借贷的实际,结合经济学领域的信息不对称理论,参考相关国家的立法实践,旨在探索出符合我国国情的法律规制体系以应对我国农村金融借贷的信息不对称问题。总体而论,本文由两条主线、三大模块、五个章节组成。首先在第一章引言中明确本文的选题背景与研究目的,简述本文所使用的研究方法,并对国内外学界的研究现状作简要评析。第二章为基础理论部分,阐述和分析信息不对称理论与农村金融借贷理论,简单论述两者概念并结合相关理论讨论两者之间存在的关系,为下文打下理论基础。第三章着重论述我国农村金融借贷业的发展及其法律规制的沿革。本章以时间为轴,分别就新中国成立至1978年,改革开放至九十年代末,新千年以来三个时间段我国农村金融借贷业的发展作论述评析,并以此为切入点讨论我国农村金融借贷业发展中所面临的信息不对称问题。本章末尾就我国当前对于农村借贷信息不对称法律规制方面存在的问题进行阐述。第四章将视角对准国外实践,结合第二章中我国农村金融借贷信息不对称法律规制存在的问题,有针对性地介绍相关典型国家的立法实践。并对这些立法实践进行比较分析,初步提取经验。第五章是本文的重点章节。本章就我国当前农村金融借贷面临的信息不对称问题提出立法建议。首先从立法理念入手,提出应以建立激励型法律规制为原则。之后则分别以民商法与经济法为视角进行具体措施的分析。
[Abstract]:As an ancient form of credit, private lending has maintained fresh vitality for quite a long time. In recent years, with the further development of our socialist market economy, the contradiction between supply and demand of funds has become increasingly prominent. A single formal financial lending cannot meet the needs of the lending market. Against this background, private lending is gradually showing a boom, especially in the vast rural areas. Rural financial lending promotes the flow of rural funds to a great extent, enlivens the rural financial market, ensures the survival and production of farmers and township enterprises, and plays a great role in promoting the rural economy of our country. The spontaneity of rural financial lending, blindness and the non-equivalence of related subjects lead to the phenomenon of information asymmetry in rural financial lending market, which has further aggravated the rural financial lending market itself such as high interest rate. The lack of effective supervision makes the rural financial market tend to be confused. This paper focuses on the reality of rural financial lending in China, combines the theory of information asymmetry in the field of economics, and refers to the legislative practice of relevant countries. The purpose of this paper is to explore a legal regulation system in accordance with the national conditions of our country to deal with the problem of information asymmetry in rural financial lending in China. Generally speaking, this paper consists of two main lines, three major modules, First of all, in the introduction of the first chapter, the background and research purpose of this paper are clearly defined, and the research methods used in this paper are briefly described, and the current research situation of domestic and foreign academic circles is briefly evaluated. The second chapter is the basic theory part. This paper expounds and analyzes the information asymmetry theory and the rural financial lending theory, discusses the concepts of the two theories and discusses the relationship between the two theories. The third chapter focuses on the development of China's rural financial lending industry and the evolution of its legal regulation. This chapter takes the time axis, respectively, from the founding of New China to 1978, from the reform and opening up to the end of 90s. The development of China's rural financial lending industry in three periods since the new millennium is discussed and analyzed. At the end of this chapter, the problems existing in the legal regulation of the asymmetry of rural lending information in our country are discussed at the end of this chapter. Chapter four focuses on foreign practice, Combined with the problems in the legal regulation of asymmetric rural financial lending information in the second chapter, this paper introduces the legislative practices of some typical countries, and makes a comparative analysis of these legislative practices. Chapter 5th is the key chapter of this paper. This chapter puts forward some legislative suggestions on the problem of information asymmetry faced by rural financial lending in China. First of all, it starts with the concept of legislation. The author puts forward the principle of establishing incentive legal regulation, and then analyzes the concrete measures from the perspective of civil and commercial law and economic law respectively.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28;D923

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