促进农村消费信贷背景下农户征信法律制度研究

发布时间：2018-01-12 10:45

本文关键词：促进农村消费信贷背景下农户征信法律制度研究　出处：《西南政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国农村有着广阔的消费市场，若能有效挖掘农村消费信贷市场，不但可以满足农村消费市场的需求以扩大内需，也可以有效地带动农村经济的发展，增加农村的居民收入。近年来，为了促进农村消费信贷的发展，我国政府和银行都积极采取了各方面的措施。但是，由于没有完备的农户信用征信法律制度作为保障，我国的农村消费信贷发展仍然极为缓慢。党的十八大也提出，要兼顾城乡的发展，加强农村全面改革，推动社会主义新农村建设，推动农村金融体制的创新与改革。在社会主义新农村建设的过程中，我们需要解放思想，创新务实，进一步推动新时期农村信用体系的建设工作，创造良好的农村信用环境，，从而更好地服务于社会主义新农村建设。其中，农户征信则是农村信用体系建设工作中的一个重要环节。经过长时间的筹备，国务院最终于2012年12月26日出台了《征信业管理条例》，这对于我国征信业的发展而言意义非凡，但是由于农户信用本身存在特殊性，农户信用征信法律制度在其设置体系、基本内容、征信机构和基本原则等方面都与其他征信法律制度有所不同。2013年实施的《农户贷款管理办法》也提出要加强农户贷款风险管控，对贷款农户实施尽职调查，这对农户征信法律制度提出了更高要求。因此，有必要对农户信用征信法律制度在发展农村消费信贷的背景下进行深入研究。本文的写作思路是：首先介绍农户信用征信制度的基本概念及其立法原则；然后分析当前我国农户信用征信法律制度的现状及其存在的问题；其次再通过对国外信用征信立法实践的考察，得出一些有助于完善我国农户信用征信法律制度的思路和经验；最终提出完善我国农户信用征信制度的具体建议。正文除引言与结语外，具体分成了四个部分：第一部分主要介绍了农户信用征信的相关概念，提出完善农户信用征信法律制度对促进农村消费信贷的重要意义，并提出完善我国农户信用征信法律制度应当遵循的原则，为我国农户信用征信法律制度的建设提供方向性、原则性的要求，同时考察了我国农村消费信贷相关农户征信的实践现状。第二部分重点归纳我国现有法律文件中关于农户信用征信的具体规定，并以此为基础分析当前我国促进农村消费信贷背景下农户信用征信法律制度存在的问题与不足，从而确定我国完善农户信用征信法律制度的“突破口”。第三部分主要考察国外为促进消费信贷而采用的信用征信立法模式，并提炼其制度内核，得出一些有助于完善我国农户信用征信制度的经验和思路。第四部分则是在第二部分和第三部分的基础上，从农户征信主体、农户征信行为及农户征信责任三方面提出在促进农村消费信贷的背景之下完善我国农户信用征信制度的具体建议。
[Abstract]:China's rural areas have a broad consumer market, if we can effectively tap the rural consumer credit market, not only can meet the demand of rural consumer market to expand domestic demand, but also can effectively promote the development of rural economy. In recent years, in order to promote the development of rural consumer credit, our government and banks have taken various measures. Due to the lack of a complete legal system of peasant household credit as a guarantee, the development of rural consumer credit in China is still very slow. The 18 Party Congress also proposed that consideration should be given to the development of urban and rural areas to strengthen the overall reform of rural areas. To promote the construction of new socialist countryside and to promote the innovation and reform of the rural financial system, we need to emancipate our minds and innovate and be pragmatic in the process of building a new socialist countryside. Further promote the construction of rural credit system in the new period, create a good rural credit environment, so as to better serve the new socialist rural construction. Farmers' credit information is an important link in the construction of rural credit system. After a long time of preparation, the State Council finally issued the "Credit Industry Management regulations" in December 26th 2012. This is of great significance to the development of credit information industry in our country, but because of the particularity of peasant household credit itself, the legal system of peasant household credit information is set up in its system, basic content. Credit agencies and basic principles are different from other credit investigation legal system. In 2013, the measures of Farmer loan Management also proposed to strengthen the risk control of farmers' loans. The implementation of due diligence on the loan farmers puts forward higher requirements for the legal system of peasant household credit reporting. Therefore, it is necessary to further study the legal system of peasant household credit information under the background of the development of rural consumer credit. The main ideas of this paper are as follows: firstly, it introduces the basic concept and legislative principles of peasant household credit system; Then it analyzes the current situation and existing problems of the credit investigation legal system of peasant households in our country. Secondly, through the investigation of the foreign credit legislation practice, some ideas and experiences which are helpful to improve the credit system of peasant households in China are obtained. Finally, the paper puts forward some concrete suggestions to perfect the credit system of peasant households in our country. In addition to the introduction and conclusion, the text is divided into four parts: The first part mainly introduces the related concepts of peasant household credit, and puts forward the importance of perfecting the legal system of peasant household credit to promote rural consumer credit. The author also puts forward the principles that should be followed in perfecting the legal system of peasant household credit information in China, and provides the direction and principle for the construction of the legal system of peasant household credit information in our country. At the same time, it examines the practice status of rural consumer credit related farmers. The second part focuses on summarizing the specific provisions of farmers' credit information in the existing legal documents of our country. On this basis, this paper analyzes the problems and shortcomings of the legal system of peasant household credit under the background of promoting rural consumer credit in our country, so as to determine the "breakthrough point" for perfecting the legal system of peasant household credit investigation in our country. The third part mainly studies the credit credit legislation model adopted by foreign countries in order to promote consumer credit, and refines its system core, and obtains some experiences and ideas which are helpful to improve the credit system of peasant households in our country. The 4th part is based on the second part and the third part, from the main household credit. The paper puts forward some concrete suggestions on how to improve the credit system of farmers in China under the background of promoting rural consumer credit in the three aspects of farmers' credit investigation behavior and farmers' credit investigation responsibility.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.282;D422.6

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