我国民间借贷监管制度研究

发布时间：2018-05-19 17:50

本文选题：民间借贷 + 监管制度　；参考：《华中科技大学》2013年硕士论文

【摘要】：近年来，随着我国民间借贷的持续活跃和规模的不断扩大，民间借贷问题成为金融、法律界乃至全社会讨论的热门话题。民间借贷对经济发展既有积极作用，也有消极影响，因此如何对民间借贷进行有效监管，使民间借贷更能适应经济发展对资本的需求,已经成为亟待解决的现实问题。本文首先阐述了我国民间借贷的基本理论和问题，从民间借贷的法律概念、法律特征及种类等方面对民间借贷进行了界定，分析了民间借贷的形成原因以揭示民间借贷存在的客观性，并通过对民间借贷的积极作用和消极影响进行分析，论证了民间借贷监管的必要性。然后，在以上分析的基础上，考察了我国民间借贷监管制度的现状，从而分析出监管制度的缺陷所在。最后，通过对域外民间借贷监管制度的考察，总结域外监管经验的共性方面，并针对我国民间借贷监管制度的缺陷，有的放矢地提出了完善我国民间借贷监管制度的思路和法律建议。我国民间借贷监管思路的核心是选择适当的监管路径和监管模式，本文认为监管路径应当是民间借贷的法制化，即在制定民间借贷法律时就应当考量对合法民间借贷的肯定和对非法民间借贷的遏制。民间借贷监管的模式应选择分类监管和重点监管的模式，即以营利性为特征将民间借贷进行分类并分别进行监管，对其中的商事性借贷进行重点监管。民间借贷监管的法律建议应侧重对民间借贷的积极作用进行规范引导，，同时对民间借贷的消极影响进行遏制，这可以通过修改现行法律法规和制定专门性民间借贷法律《放贷人条例》对其进行规制。因为理论界和实务界在《放贷人条例》制定过程中还存在许多争议，所以本文希望对争议焦点问题做一些有意义的探讨。
[Abstract]:In recent years, with the continuous active and expanding scale of private lending in China, the issue of private lending has become a hot topic in finance, law and even the whole society. Private lending has both positive and negative effects on economic development, so how to effectively supervise private lending and make it more adaptable to the demand for capital in economic development has become a practical problem to be solved urgently. This paper first expounds the basic theory and problems of folk lending in China, and defines it from the aspects of the legal concept, legal characteristics and types of folk lending. In order to reveal the objectivity of the existence of folk lending, this paper analyzes the reasons for the formation of private lending, and demonstrates the necessity of the supervision of private lending through the analysis of the positive and negative effects of private lending. Then, on the basis of the above analysis, this paper investigates the present situation of the private loan supervision system in China, and then analyzes the defects of the supervision system. Finally, through the investigation of the foreign private loan supervision system, the paper summarizes the common aspects of the extraterritorial supervision experience, and aims at the defects of our country's private loan supervision system. The author puts forward some ideas and legal suggestions to perfect the supervision system of non-government loan. The core of our country's private loan supervision is to choose the proper supervision path and supervision mode. This paper holds that the supervision path should be the legalization of private lending. That is, we should consider the affirmation of legal private lending and the suppression of illegal private lending. The mode of private loan supervision should choose the classified supervision and the key supervision mode, that is to say, the private loan should be classified and supervised separately with the feature of profit, and the commercial loan should be supervised emphatically. The legal advice of private lending supervision should focus on regulating and guiding the positive role of private lending and at the same time containing the negative effects of private lending. This can be regulated by amending existing laws and regulations and enacting specialized private lending laws and regulations. Because there are still many controversies in the process of making the "lender's regulations" in the theoretical and practical circles, this paper hopes to make some meaningful discussions on the focus of the controversy.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28;F832.4

【参考文献】