农村小额信贷的法律思考

发布时间：2018-02-16 01:55

  本文关键词： 农村小额信贷 法律困境 法律规制 法律监管　出处：《黑龙江大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村小额信贷在我国的发展仅数十年，但作为一种新型信贷服务模式，，对我国经济发展有着十分重要的作用。但由于其在我国发展的时间较短，我国还未有相应的法律对其予以规制，这严重影响了小额信贷在我国的健康发展。本文主要以河北易县小额信贷为例，以在其发展的过程中遇到的法律问题为探讨基础，从法律角度思考我国农村小额信贷存在的风险和法律困境，并借鉴国际上的农村小额信贷的实践经验，从法律层面提出了几点解决当前我国农村小额信贷面临的法律困境和风险难关的建议。希望能使农村小额信贷在我国的身份合法化，并通过法律加强对我国农村小额信贷的监管，使得法律能够为小额信贷保驾护航，从而保证我国农村小额信贷的长期健康的发展。
[Abstract]:The development of rural micro-credit in China is only decades, but as a new type of credit service mode, it plays a very important role in the economic development of our country. There is no corresponding law to regulate it in our country, which has seriously affected the healthy development of microfinance in our country. This paper mainly takes the microfinance in Yi County, Hebei Province as an example, based on the legal problems encountered in the process of its development. From the point of view of law, the author thinks about the risks and legal difficulties of rural microfinance in China, and draws lessons from the practical experience of rural micro-credit in the world. From the legal level, this paper puts forward several suggestions to solve the legal dilemma and the risk difficulties faced by rural microfinance in our country. We hope to legalize the status of rural micro-credit in our country. And through the law to strengthen the supervision of the rural micro-credit, make the law can protect the micro-credit, so as to ensure the long-term and healthy development of the rural micro-credit in our country.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;D922.282


本文编号：1514391