民间借贷相关法律问题研究

发布时间：2018-06-23 13:28

本文选题：民间借贷 + 民间融资　；参考：《沈阳工业大学》2014年硕士论文

【摘要】：民间借贷在中国可谓由来已久，其漫长的发展阶段一直在民间融资中扮演着重要角色，既有过巅峰，也曾经历低谷。民间借贷好似一把双刃剑。一方面，民间借贷长期漂泊在官方金融体系和法律规制之外，没有得到官方的足够重视，加上民间借贷具有很强的自发性，缺乏外部约束，一旦发生资金链断裂，就像蝴蝶效应一样引发连锁不良反应，严重时甚至会危害社会和谐与稳定，风险极大。但另一方面，民间借贷对中小企业、民营企业和其他私人经济的发展，以及对农民的生产、经营都发挥了重要的推动作用，进而在一定程度上促进中国经济的发展。由此可见，我们必须深入探讨和理解民间借贷的双刃性，以法律形式规定其在金融产业中的位置，引领其有利于社会的一面，规避负面影响，，进而更好地促进中国经济的稳定发展。本文从政府实行紧缩的财政政策，中小企业经济萎靡不振，银行融资也迎来寒冬为背景，从民间借贷的内涵、趋势，效用等方面分析，结合当前我国有关民间借贷的相关法律规定，依赖法律手段，来解决我国民间借贷存在的问题，对阻碍民间借贷发展的方面从法律着手，提出完善我国民间借贷法律规制的建议。实现民间借贷可以长远的发展。本文从民间借贷行为的涵义、流程和涉及的商事法律关系，对民间借贷行为问题为创新点进行理论研究。建议完善我国民间借贷法律规制的建议，明确规定民间借贷的主体，规范民间借贷利率且合理设置利率上限，解决民间借贷的法律不协调，完善民间借贷的监管规则，发挥民间借贷的最大效用。
[Abstract]:Private lending has a long history in China, its long development stage has been playing an important role in private financing, both the peak and the trough. Private lending is like a double-edged sword. On the one hand, private lending has long drifted outside the official financial system and legal regulations, and has not received sufficient attention from the government. On the other hand, private lending is highly spontaneous and lacks external constraints. Once the capital chain breaks, Like the butterfly effect, it causes chain adverse reactions, even endangering social harmony and stability. On the other hand, private lending plays an important role in promoting the development of small and medium-sized enterprises, private enterprises and other private economy, as well as the production and management of farmers, thus promoting the development of Chinese economy to a certain extent. Thus, we must deeply explore and understand the double-edged nature of private lending, define its position in the financial industry in the form of law, lead its side in favor of society, and avoid the negative impact. Further better promote the stable development of Chinese economy. This paper analyzes the connotation, trend and utility of private lending in the light of the government's austerity fiscal policy, the economic malaise of small and medium-sized enterprises, and the cold winter of bank financing. In combination with the relevant laws and regulations on private lending in our country at present, we rely on legal means to solve the problems existing in private lending in our country, and start from the law on aspects that hinder the development of private lending. Put forward the suggestion that consummates our country folk loan law regulation. The realization of private lending can be long-term development. This paper makes a theoretical study on the innovation of folk lending behavior from the perspective of its meaning, process and commercial legal relationship. It is suggested to improve the legal regulation of private lending in our country, clearly stipulate the subject of private lending, regulate the interest rate of private lending and reasonably set the upper limit of interest rate, solve the legal incoordination of private lending, and perfect the supervision rules of private lending. Give play to the maximum effectiveness of private lending.
【学位授予单位】：沈阳工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923

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