民间融资法制化的机理与案例研究

发布时间：2018-01-18 12:25

本文关键词：民间融资法制化的机理与案例研究　出处：《浙江大学》2014年硕士论文　论文类型：学位论文

【摘要】：改革开放以来,浙江经济持续快速增长,这得益于浙江民营经济和民间融资的蓬勃发展。但近年来,温州借贷危机的爆发引起人们对民间融资的更多关注。由于我国民间融资市场规模扩大,交易主体复杂化,传统民间融资的自我实施机制失效。此时,第三方实施机制一一法律制度能较好的替代原有自我实施机制。因此,对我国民间融资法制化问题的研究,是一个具有重要理论价值和现实意义的课题。本文主要分为三个部分的研究。首先,通过美国和台湾等国家地区民间融资的现状研究,得出政府引导民间融资发展的两种模式。在我国民间融资现状阐述的基础上,分析得出当前我国民间融资原有的自我实施机制已经无法有效引导民间金融的健康发展,政府亟需对民间融资进行法制化。其次,在机理研究部分,本文通过对民间融资自我实施机制的研究,运用博弈模型分析有无法制下的借贷双方行为选择。并具体分析法律的规范作用和社会作用对民间融资的影响。再次,通过温州和台湾地区民间融资的案例比较研究,表明法制化能使得民间融资健康发展。最后得出本文结论,即：民间融资法制化道路是必需、可行且有效的。在法制化建设过程中,不同组织形式需要采取不同的法制监管路径,较低层次的民间融资可以在确认其合法的基础上,在边界内不加以管制；较高层次的民间融资则可以着重考虑从民间金融市场准入和退出制度,交易活动监管制度和风险监测制度等方面进行法制规范。
[Abstract]:Since the reform and opening up, Zhejiang's economy has continued to grow rapidly, which has benefited from the vigorous development of Zhejiang's private economy and private financing, but in recent years. The outbreak of Wenzhou loan crisis caused people to pay more attention to private financing. Because of the expansion of private financing market in our country, the transaction subject is complicated, the self-implementation mechanism of traditional private financing is invalid. At this time. The third party implementation mechanism-the legal system can better replace the original self-implementation mechanism. Therefore, the study on the legalization of private financing in China is of great theoretical value and practical significance. This paper is mainly divided into three parts of the study. First, through the United States and Taiwan and other countries and regions of the status quo of private financing research. Draw the government to guide the development of private financing two models. On the basis of the current situation of private financing in China. The analysis shows that the existing self-implementation mechanism of private financing in China has been unable to effectively guide the healthy development of private finance, and the government urgently needs to legalize private financing. Secondly, in the part of mechanism research, this paper studies the mechanism of private financing self-implementation. The game model is used to analyze the behavior choices of both parties under the legal system. And the specific analysis of the normative role of the law and the impact of the social role on private financing. Again. A comparative study of private financing in Wenzhou and Taiwan shows that legalization can make private financing develop healthily. Finally, the conclusion is drawn, that is, the road of legalization of folk financing is necessary, feasible and effective. In the process of legal construction, different organizational forms need to take different ways of legal supervision. Lower levels of private financing can be established on a legal basis and not regulated within borders; The higher level of private financing can focus on private financial market access and withdrawal system, transaction supervision system and risk monitoring system and other aspects of legal norms.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7;D922.28

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