论我国中小企业民间融资法律制度的完善

发布时间：2018-07-31 07:16

【摘要】：相比逐年增大的中小企业融资需求而言,融资服务提供者的力量则显得较为薄弱,无论是金融机构提供的融资服务,还是民间金融提供的融资服务,都很难满足中小企业的融资需求。中小企业民间融资是指中小企业出于自身经营的需求,在国家法定的金融机构难以获得资金时,采用非正规融资渠道开展的金融活动,也就是民间借贷。当前,我国还未对民间融资进行专门立法,民间融资与非法融资的界定模糊,由于民间融资监管制度的缺失,导致缺乏适时而有效的监管。我国中小企业融资困难,除了企业自身规模不够的原因外,还包括缺乏融资市场的影响、国家政策扶持力度小、民间融资不规范等原因。本文主要是对我国中小企业的民间融资法律制度的研究。主要内容包括对中小企业民间融资理论的概述；我国的中小企业民间融资的立法现状和司法运用的现状；民间融资在法律制度和监管政策各层面的缺失；我国中小企业的融资难的根本原因；对国外民间融资的法律的立法例的研究等。要解决中小企业的民间融资难,就要从相关法律制度的角度进行完善。从立法角度制定专门的民间融资法,完善民间融资法律制度；制定中小企业的民间融资救济法,加大救济力度；制定中小企业民间融资的担保法,运用法律对中小企业民间融资的条件予以确定。注重民间信贷的体制改革,健全小额贷款市场的法律制度；加强相关中小企业融资的体制和制度建设；建立扶持企业的创新基金和直接融资市场；完善股票和证券市场的立法,拓宽融资渠道；充分利用民间智慧,发展民间融资的新模式。从中小企业民间融资监管机制,和对其进行的法律监管、设立的专门的政府机构以及民间金融的信用担保体系等几个方面进行完善。
[Abstract]:Compared with the increasing financing needs of small and medium-sized enterprises, the strength of financing service providers is relatively weak, not only the financing services provided by financial institutions, but also the financing services provided by private finance. It is difficult to meet the financing needs of SMEs. Private financing of small and medium-sized enterprises is a kind of financial activity which is carried out by informal financing channels when the legal financial institutions of the country are difficult to obtain funds for the needs of their own operation, that is, private lending. At present, our country has not carried on the special legislation to the folk financing, the definition of the folk financing and the illegal financing is vague, because of the lack of the private financing supervision system, it is lack of timely and effective supervision. In addition to the lack of enterprise size, the financing difficulties of small and medium-sized enterprises in China include the lack of the influence of the financing market, the small degree of national policy support, the non-standard folk financing and so on. This paper mainly studies the private financing legal system of small and medium-sized enterprises in our country. The main contents include an overview of the theory of private financing for small and medium-sized enterprises (SMEs), the status of legislation and judicial application of private financing for SMEs in our country, the lack of private financing in all levels of legal system and supervision policy; The basic reason of financing difficulty of small and medium-sized enterprises in our country, the research on the legislation of foreign folk financing law, etc. In order to solve the difficulty of private financing, we should perfect it from the angle of relevant legal system. From the legislative point of view to formulate a special law on private financing, improve the legal system of private financing; formulate private financing relief law for small and medium-sized enterprises, increase relief efforts; formulate a guarantee law for private financing of small and medium-sized enterprises, Use the law to determine the conditions of private financing for small and medium-sized enterprises. We should pay attention to the reform of the private credit system, improve the legal system of the microfinance market; strengthen the institutional and institutional construction of financing for small and medium-sized enterprises; establish innovative funds and direct financing markets to support enterprises; and improve the legislation on the stock and securities markets. Widen financing channel, make full use of folk wisdom, develop new mode of folk financing. From the supervision mechanism of private financing of small and medium-sized enterprises, the legal supervision of them, the establishment of special government agencies and the credit guarantee system of private finance, etc.
【学位授予单位】：延边大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923;D924;D922.287

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