从立法角度研究我国民间借贷的监管问题

发布时间：2018-03-26 10:05

本文选题：民间借贷　切入点：法律监管　出处：《天津财经大学》2013年硕士论文

【摘要】：从2003年开始国家对民间小额信贷的限制逐步放开,并出台了相关的扶持政策,使民间借贷得到了迅速地发展。现在民间借贷问题已经成了整个社会关注的焦点。民间借贷是中小企业融资的一种途径,2008年湖南省企业调查队对民间融资情况进行了调查,结果显示有50%的中小企业通过民间借贷的方式进行融资。所以,民间借贷是正规金融的重要补充,也是我国经济市场中不可缺少的一部分,对推动我国经济发展有积极的一面。但是多年以来,我国一直缺乏法律和制度对民间借贷进行行之有效的监督和管理。在立法上迟迟没有出台相关法律来规范民间借贷,对民间借贷的监管无法可依,致使民间借贷在无基本法可依又极有市场的背景下泛滥。民间借贷在没有立法对其进行规范的情况下,处于无序发展的状态之中,扰乱了金融秩序,阻碍了经济的发展。所以,从立法上加强对民间借贷的监管,建立健全有关民间借贷的法律和制度刻不容缓。文章主要从立法角度对民间借贷的监管进行研究。首先,文章阐述了民间借贷的现状,对民间借贷的概念、种类、特点、产生和发展的原因和温州金融改革这些基本问题进行了详细的论述,之后又指出了民间借贷存在的隐患以及民间借贷监管的现状和缺陷。其次,文章在分析了民间借贷存在的隐患和监管存在缺陷的基础上,提出了立法的必要性,并且借鉴了民间借立法比较完善的美国、日本和我国港台地区的民间借贷法律制度。文章最后一部分在结合我国民间借贷监管的现状、借鉴国外和我国港台地区民间借贷监管的经验的基础上,提出了从确立我国民间借贷监管的法律原则、完善有关民间借贷的法律规定和构建我国民间借贷监管的具体法律制度这三个方面来健全我国民间借贷监管的法律体系和制度,加强对民间借贷的监管。
[Abstract]:From the beginning of 2003 the national restrictions on private microfinance gradually liberalized, and introduced the relevant supporting policies, the private lending has been developed rapidly. Now the problem of private lending has become the focus of the whole society. Private lending is a way of financing of small and medium-sized enterprises, enterprises in Hunan Province in 2008 conducted a survey on the investigation team the folk financing situation, the result shows that 50% of the small and medium-sized enterprise financing through the private lending. So, private lending is an important supplement of formal finance, is also a part of our market economy indispensable, there is a positive side to promote the economic development of our country. But over the years, China has been the lack of legal system and effective supervision and management of private lending. In the legislation has not promulgated relevant laws to regulate private lending, private lending regulation could be caused by No law can make the folk lending in the market are very rampant. Under the background of private lending in the absence of legislation to regulate the status of its development, is in a disordered state, disrupting financial order, hindered the economic development. Therefore, from the legislation to strengthen the supervision of folk loan, establish and perfect the relevant delay private lending laws and regulations.
This article mainly conducts the research of supervision of private lending from the angle of legislation. Firstly, this paper expounds the present situation of private lending, private lending on the concept, types, characteristics, causes and development of the Wenzhou financial reform and these basic problems are discussed in detail, and then pointed out the existence of private lending and private lending regulatory risks the status quo and defects. Secondly, this paper analyzes the problems and defects of the supervision of private lending on the basis, put forward the necessity of legislation, and from the private lending legislation is perfect in the United States, Japan and Hong Kong, the legal system of private lending. In the last part of the article according to the present situation of private lending regulation in our country, referring to foreign and private lending regulation in Hong Kong and Taiwan of China experience, put forward from the establishment of China's private lending regulation law is perfect We should improve the legal system and system of private lending supervision in China from three aspects: the legal provisions of private lending and the specific legal system of private lending supervision in China, so as to strengthen the supervision of private lending.

【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28;F832.4

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