我国民间借贷市场政府监管制度研究

发布时间：2018-05-03 14:16

本文选题：民间借贷 + 监管制度　；参考：《电子科技大学》2012年硕士论文

【摘要】：民间借贷在我国的发展一直饱受诟病，人们对此的争执很多，一方面它是我国金融体系的不可忽视的一部分，也确实起到了一定的积极作用，另一方面，它的无序和急功近利的发展模式也造成了诸多不好的社会影响，不但直接对国家宏观金融调控起到干扰作用，也对社会稳定和人民群众的生活造成了恶劣的影响。这就要求我国将民间借贷引导“向上”，，构建民间借贷的监管制度引导其健康发展，发挥其特有优势，进一步为我国经济发展作出贡献。对于民间借贷的监管，政府部门一直在进行调研，我国对民间借贷的监管制度建设并没有跟上拍子。虽然对民间借贷方面的政府监管的呼声很大，但是直到现在一部关于民间借贷规治的立法文献也未颁布。因此，民间借贷又被称为“草根金融”、“地下金融”，给政府带来了极大的监管难度，而且增加了市场的不确定性，使得有效市场秩序的确定更是困难重重，其还直接影响到我国人民银行的宏观经济调控政策的抉择。自然，面对民间借贷的不可或缺与难以控制的尴尬现状，民间借贷应该何去何从，应当怎么样对它进行规制，成为亟待解决的现实问题。也因此，笔者认为对我国民间借贷的政府监管问题进行深入的研究不仅对我国目前的金融体制改革的实施，对进一步完善我国政府监管体系，以及在全球化和自由化的国际环境中，对于维护我国的金融安全和社会稳定都有着现实价值与意义。本文从四个大的部分来组建论文，第一章：介绍选题背景、意义、研究综述，。第二章：厘定相关概念，阐述相关理论，第三：介绍我国目前民间借贷的现状与问题。就民间借贷本身而言，在补给信贷市场供需不足的同时，其危害性暴露无疑。高风险性就是民间借贷的致命弱点。从温州民间借贷的发展历程来分析，可以看出，高风险的民间借贷有着正规金融所缺乏的机制特征，不能因为民间借贷的高风险而取缔、打压民间借贷，相反应该并且只有通过构建专门的监管制度才能规制其高风险。民间借贷的危害性还表现在造成巨大民间资金“暗流”，导致金融信息失真，直接影响到我国政府宏观调控的有效性。另外，民间借贷由于生于民间，参与者常常在出现纠纷时不是寻求法律的救济而是采取极端的方式自我救济，因此由民间借贷纠纷引发的暴力、流血事件并不少见，严重破坏了社会秩序。无论是对金融信息的隐蔽还是对社会秩序的扰乱，都可以通过豁管制度的建构进行管理。第四章对民间借贷政府监管制度进行分析。着重从我国法律监管制度、金融监管制度、政府政策、规章制度现实状况分析入手，共分为三大部分进行论证。首先，我国没有相应的法律制度对民间借贷进行监管，不仅如此，我国现有民间借贷的一些相关立法存在冲突。其次，在现有的金融监管制度中，丝毫没有对民间借贷的相关制度安排，使民间借贷流于正规制度之外。从上面两点，可以得出这样的结论：我国没有相应的民间借贷监管制度，我国也在有针对性地对严格的金融管制进行调整，以期抓住在金融全球化背景下的发展契机。笔者在第五章提出了建构民间借贷政府监管制度的具体建议。对政府监管制度的构建，主要从监管主体、监管对象、监管内容以及监管体制和监管手段几个方面入手。在上面五章的基础上，笔者得到这样的结论：我国应当在完善民间借贷政府监管，通过建立民营金融机构的基础上，使民间借贷正规化；根据其特征，构建专门针对民间借贷的监管制度。相信这个课题的研究和讨论会对金融业的从业人员和政府相关部门的监管人员以及从事理论研究的相关学者专家有一定的借鉴意义。
[Abstract]:The development of private lending in our country has been criticized, people have a lot of disputes. On the one hand, it is an important part of our financial system, and it does play a positive role. On the other hand, its disorder and rapid development model have also caused many bad social effects, not only directly to the national macro. The financial regulation and control play a disturbing effect on the social stability and the people's life. This requires our country to guide the private lending to "go up", to construct the regulatory system of private lending to guide its healthy development, to give full play to its unique advantages, to further contribute to the economic development of our country. The government departments have been conducting research and research, and the regulatory system for private lending has not kept pace with the construction of the regulatory system in China. Although there is a great call for government supervision over private lending, the legislative literature on private lending regulations has not been promulgated until now. Therefore, the inter ethnic lending is also called "grassroots finance", "underground gold". It has brought great supervision difficulty to the government, and increased the uncertainty of the market, which made the determination of the effective market order more difficult. It also directly affected the choice of the macro economic regulation policy of the people's Bank of China. How to regulate it and how to regulate it has become a realistic problem to be solved. Therefore, the author thinks that the in-depth study of the government supervision in China's private lending is not only to implement the current financial system reform in China, but also to further improve our government supervision system, as well as in the globalization and liberalization. In the international environment, it is of realistic value and significance to safeguard China's financial security and social stability.
This article from four large parts to form a paper, the first chapter: introduce the background, significance, research review, the second chapter: the definition of related concepts, the relevant theory, third: to introduce the current situation and problems of our country's current private lending, in terms of private lending itself, the lack of supply and demand in the credit market, while its harmless exposure is no doubt. High risk is the fatal weakness of private lending. From the analysis of the development process of Wenzhou folk lending, it can be seen that high risk folk lending has the characteristics of the lack of formal finance. It can not be banned because of the high risk of private lending and suppress private lending. On the contrary, it should be and only through the construction of a special regulatory system. It can regulate its high risk. The harmfulness of private lending is also manifested in the cause of the "dark current" of huge folk funds, which leads to the distortion of financial information, which directly affects the effectiveness of the macro regulation of the government of our country. In addition, because of the fact that the folk loan is born in the folk, the participants often take the extreme way not to seek legal relief in the case of disputes. Self relief, so the violence caused by the civil debit and credit disputes is not uncommon, and it has seriously damaged the social order. It can be managed through the construction of the system of immunity, whether it is the concealment of financial information or the disturbance of the social order.
The fourth chapter analyzes the government supervision system of the private lending government. It focuses on the analysis of the legal supervision system, the financial supervision system, the government policy and the rules and regulations, which is divided into three parts. First, there is no corresponding legal system to supervise the loan of the folk. Secondly, in the existing financial supervision system, there is no system arrangement of private lending in the slightest, so that private lending is out of the formal system. From the above two points, we can draw a conclusion that there is no corresponding system of private lending supervision in China, and China is also targeted to strict gold. The regulation is adjusted in order to seize the opportunity of development under the background of financial globalization. In the fifth chapter, the author puts forward the concrete suggestions for the construction of the government supervision system of the private lending government. The construction of the government supervision system is mainly from the supervision subject, the supervision object, the supervision content, the supervision system and the supervision means. In the above five On the basis of the chapter, the author draws the conclusion that China should improve the supervision of the private lending government and make the private lending regularized on the basis of the establishment of private financial institutions, and build a regulatory system specially for private lending according to its characteristics.
It is believed that the research and discussion of this subject will be of reference to the practitioners of the financial industry, the regulators of the relevant government departments and the relevant scholars and experts engaged in theoretical research.

【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【参考文献】