论我国民间借贷机构的市场准入制度

发布时间：2018-03-13 20:12

本文选题：民间借贷机构　切入点：市场准入　出处：《安徽大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着市场经济的深入发展和金融管制的放开,我国民间借贷市场异常活跃,民间借贷机构纷纷建立。民间借贷机构对我国社会经济的发展贡献突出,极大地弥补了正规金融体系的不足,促进了民营企业特别是民营中小企业的发展。然而长期以来,我国一直缺乏对民间借贷机构的监管,特别是民间借贷机构的市场准入制度尚未建立,民间借贷活动存在着很大风险,一定程度上影响了金融市场的稳定。本文主要从四部分进行论述我国民间借贷机构的市场准入制度：第一部分民间借贷机构市场准入制度的一般分析。主要分三段,分别介绍了我国民间借贷的概念和类型、民间借贷机构的界定以及建立民间借贷机构市场准入制度的必要性。第二部分主要介绍部分发达国家和我国台湾地区民间借贷机构的市场准入制度,主要有美国、德国、日本以及我国台湾地区。第三部分主要论述我国民间借贷机构市场准入制度的不足,具体表现在：我国民间借贷机构市场准入法律体系不健全、市场准入门槛降低,潜在风险加大、市场准入制度设计缺陷,如主体资格、注册资本、业务准入三方面缺陷。第四部分针对我国民间借贷机构市场准入制度存在的缺陷,提出了完善民间借贷机构市场准入制度的建议,如完善我国民间借贷市场准入法律体系、差异建立差异化的市场准入标准,降低风险、明确市场准入主体资格、严格规范执行市场准入注册资本制度、严格执行业务准入制度等。
[Abstract]:With the further development of the market economy and the liberalization of financial control, the private lending market in China is extremely active, and private lending institutions have been established one after another. Private lending institutions have made outstanding contributions to the development of China's social economy. It has greatly compensated for the deficiencies of the formal financial system and promoted the development of private enterprises, especially small and medium-sized private enterprises. However, for a long time, our country has been lacking in the supervision of private lending institutions. Especially, the market access system of private lending institutions has not yet been established, and the private lending activities have great risks, which to some extent affect the stability of the financial market. This paper mainly discusses the market access system of China's private lending institutions from four parts:. The first part is the general analysis of the market access system of private lending institutions, which is mainly divided into three sections, which respectively introduce the concept and types of private lending in China, the definition of private lending institutions and the necessity of establishing the market access system of private lending institutions. The second part mainly introduces some developed countries and China's private lending institutions in Taiwan market access system, mainly the United States, Germany, Japan and China's Taiwan region. The third part mainly discusses the deficiency of the market access system of our country's private lending institutions, which is manifested in: the market access legal system of our country's private lending institutions is not perfect, the threshold of market access is lowered, and the potential risks are increased. Market access system design defects, such as subject qualification, registered capital, business access three aspects of defects. In the 4th part, aiming at the defects of the market access system of China's private lending institutions, the author puts forward some suggestions to perfect the market access system of the private lending institutions, such as perfecting the legal system of China's private lending market access. Differences establish differentiated market access standards, reduce risks, clarify the qualifications of market access subjects, strictly regulate the implementation of market access registered capital system, strictly enforce the business access system, and so on.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;D922.28

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