非法集资的法律治理研究

发布时间：2018-05-05 13:12

本文选题：非法集资 + 法律规制　；参考：《河北大学》2016年硕士论文

【摘要】：上世纪九十年代,我国民间非法集资问题开始初露端倪,由于涉及人员众多、社会影响大,1995年以来,国务院陆续出台了一系列法律法规,规制非法集资行为,并在刑法中规定了相关罪名。但由于社会公众投资渠道狭窄、安全防范意识淡薄、非法集资方式隐蔽多样、监管处置不到位等因素,非法集资屡禁不止。特别是2008年金融危机以来,随着经济下行压力加大,很多原来隐蔽的矛盾纷纷浮出水面、暴露出来,非法集资多发高发,温州、鄂尔多斯等地集中爆发,并有向不同行业、不同领域蔓延扩散的趋势。长期以来,我国打击非法集资的态度十分明确,但往往是局限于刑法层面,多是事后监管、事后打击,尽管不法人员最终受到了法律的严惩,涉案资产也进行了清退,但错已经酿成,“迟到的正义非正义”。为此,笔者尝试运用历史分析、实证分析、案例分析、规范分析等方法,从刑法、民法、行政法规不同层面,认真梳理反思我国非法集资治理问题,民间集资居于何种法律地位,如何依法规制非法集资,国内外有无可借鉴的成功经验,如何完善治理体系等。非法集资不仅是违法行为,也是一种经济现象,反映了正规金融供给不足、民间金融需求缺口和民间投资渠道狭窄之间的矛盾。解决非法集资问题,应坚持“标本兼治、疏堵结合”的思路,完善我国非法集资和民间借贷的法律规制体系,制定《民间借贷法》、《放贷人条例》,扩大《证券法》适用范围,引导民间借贷“阳光化”发展。要积极推进金融创新,加快民营银行发展,建立民间借贷登记备案制度,建立信息采集分析、信用评估应用等机制,创新集成监管手段,有效防范非法集资问题的发生。对已发生的非法集资问题,要认真落实各级政府的属地责任和企业的主体责任,分类处理、帮打结合,依法及时进行妥善处置,维护正常经济社会秩序。
[Abstract]:In the 90s of last century, the problem of illegal fund-raising in our country began to appear, because of the large number of people and great social impact. Since 1995, the State Council has introduced a series of laws and regulations to regulate illegal fund-raising and stipulate related charges in the criminal law. But the public investment channels are narrow and the awareness of safety precautions is weak. In particular, since the financial crisis of 2008, many of the original hidden contradictions have come to the surface since the financial crisis of 2008. The trend of spreading and spreading in different fields has been a very clear attitude in China for a long time, but it is often limited to the criminal law level, most of which are after the post supervision and after the attack. Although the illegal personnel are finally punished by the law, the assets involved in the case have been retreated, but the mistake has been made and "late justice is unjust". For this reason, a pen has been made. People try to use the methods of historical analysis, empirical analysis, case analysis, and normative analysis. From the different levels of criminal law, civil law and administrative regulations, we carefully review and reflect on the legal status of illegal capital collection and management in our country, what legal status of private capital collection is in China, and how to regulate illegal capital collection according to law. There is no successful experience for reference at home and abroad and how to improve the management system. Illegal fund-raising is not only an illegal act, but also an economic phenomenon. It reflects the contradiction between the shortage of regular financial supply, the gap between private financial demand and the narrow channel of private investment. We should formulate the private lending law, the lender Ordinance, expand the scope of the securities law and guide the development of the "sunny" development of private lending. We should actively promote financial innovation, accelerate the development of private banks, establish the system of registration and record of private lending, establish information collection and analysis, credit evaluation application and other mechanisms, innovate integrated supervision means, effectively guard against illicit The problem of fund-raising should be taken into account. For the problem of illegal capital collection, it is necessary to conscientiously implement the territorial responsibility of the governments at all levels and the main responsibility of the enterprises, classify and deal with them, combine them, and properly handle them in time to safeguard the normal economic and social order.

【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D924.3

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