民间借贷监管的主体选择与框架构建

发布时间：2018-06-23 04:20

本文选题：监管 + 公共强制理论　；参考：《学习与实践》2015年03期

【摘要】：民间借贷可以为民营经济发展增添活力,但也容易引起纠纷与群体性事件。传统的以公共利益理论为依据的政府监管在市场经济深入发展进程中确实存在着理论上的缺陷。新世纪以来,监管的公共强制理论从法经济学的角度致力于市场、法律与金融监管之间关系的研究,推动金融监管的理论脱离规制经济学的研究框架而走向专业化、纵深化,给予民间借贷监管框架的制度设计更加理性的前提假设及多样化的模式选择,并且确立监管制度的分界点。在公共强制理论框架下,我国的民间借贷可以是否吸收存款为标准实施多元主体的监管,监管体系可依据民间借贷的业务性质、交易半径、交易对象、组织形式而确立。
[Abstract]:Private lending can add vitality to the development of private economy, but it is also easy to cause disputes and group events. The traditional government supervision based on the theory of public interest has some theoretical defects in the development of market economy. Since the new century, the public compulsory theory of supervision has devoted itself to the research of the market, the relationship between law and financial supervision from the angle of law and economics, and promoted the theory of financial regulation to be specialized and deepened from the framework of regulatory economics. Giving the system design of the private loan regulatory framework a more rational premise hypothesis and diversified mode selection, and establishing the demarcation point of the regulatory system. Under the framework of public compulsion theory, whether or not to accept deposits can be taken as the standard to implement the supervision of multiple subjects, and the regulatory system can be established according to the business nature, trading radius, trading object and organizational form of private lending.
【作者单位】：长安大学政治与行政学院法学系;上海对外经贸大学法学院;
【基金】：教育部哲学社会科学研究重大课题攻关项目“民间借贷与非法融资风险防范法律问题研究”(第37项) 国家社科基金“新型农村金融组织的制度创新和监管法律制度研究”(2010CFX052) 第51批中国博士后科学基金面上获资助项目“西部地区村镇银行支农目标的偏离及其校准督促机制研究”(2012M51203)
【分类号】：D923.6;D922.28

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