我国投资担保公司法律问题探析

发布时间：2018-04-15 04:20

本文选题：投资担保 + 债权担保　；参考：《兰州大学》2014年硕士论文

【摘要】：随着我国社会主义市场经济体制进一步完善,中小企业和个人等市场主体的信用需求不断增加,担保行业存在很大的发展空间。然而,我国投资担保公司的发展在整体上显得良莠不齐,频频发生的违规经营已经阻碍了担保行业的发展,这已经引起监管当局的注意。完善我国投资担保公司的法律制度、提高投资担保公司的运作水平,对于满足中小企业的融资需求、个人消费者的消费担保需求,降低金融行业的风险隐患,促进市场经济健康发展都有重要意义。本文研究发现,我国投资担保公司在发展中面临担保行业法制不完善和配套制度建设不健全等诸多问题,并针对这些主要问题进行分析,进一步提出改进我国投资担保公司法律问题的立法建议。这些立法建议具有可操作性和合理性。本文共分为三章：第一章主要探讨我国投资担保公司的基本概况。本章的目的在于全面介绍我国投资担保公司的主要情况,内容涵盖投资担保公司的发展历程、社会功能、法律地位以及运作模式。第二章讨论我国投资担保公司在发展中存在的主要法律问题,这也是本文分析问题的重点。本章第一节介绍我国投资担保公司立法和政策的现状,列举了投资担保行业主要的立法文件和政策。第二、三、四节分别介绍我国投资担保公司在设立、经营与监管中存在的主要法律问题。第五节论述我国投资担保公司的相关配套制度建设不健全,说明担保业不健全的配套制度对投资担保公司的发展已产生不利影响。第三章阐述了完善我国投资担保公司立法的建议,这部分是对本文研究成果的展示。本章分四个部分,分别从投资担保公司的设立、经营、监管和相关制度建设四个角度出发,讨论如何解决我国投资担保公司在发展中面临的主要法律问题。首先,在投资担保公司的设立方面,立法者应当规范设立条件,统一设立程序。其次,在投资担保公司的经营方面,应当明确其超出经营范围的效力,规范担保理财业务的管理规则。再次,在投资担保公司的监管上,应当继续完善监管立法,改变投资担保行业立法层次低的现状。针对多头监管存在的诸多弊端,应当确立政府单一监管主体,改进监管体制。最后,在投资担保公司的相关配套制度建设上,应当健全投资担保公司的风险分散机制、担保资金补充机制和风险内控法律机制。鉴于信用评级在投资担保公司开展融资性担保中发挥着重要作用,因此,还应当完善信用评级立法。
[Abstract]:With the further improvement of the socialist market economic system in China, the credit demand of the market subjects such as small and medium-sized enterprises and individuals is increasing, and there is a great space for the development of the guarantee industry.However, the development of investment guarantee companies in our country appears mixed on the whole, the frequent illegal operation has hindered the development of the guarantee industry, which has attracted the attention of the regulatory authorities.Perfecting the legal system of investment guarantee companies in our country and improving the operation level of investment guarantee companies can meet the financing needs of small and medium-sized enterprises, consumer consumption guarantee needs of individual consumers, and reduce the hidden risks in the financial industry.It is of great significance to promote the healthy development of market economy.This paper finds that China's investment guarantee companies are faced with many problems in the development of the guarantee industry, such as imperfect legal system and imperfect supporting system, and analyzes these main problems.Further, it puts forward legislative suggestions to improve the legal issues of investment guarantee companies in China.These legislative proposals have maneuverability and rationality.This paper is divided into three chapters: the first chapter mainly discusses the basic situation of China's investment guarantee companies.The purpose of this chapter is to introduce the main situation of investment guarantee companies in China, including the development course, social function, legal status and operation mode of investment guarantee companies.The second chapter discusses the main legal problems existing in the development of China's investment guarantee companies, which is also the focus of this paper.The first section of this chapter introduces the current situation of the legislation and policy of the investment guarantee company in China, and lists the main legislative documents and policies of the investment guarantee industry.The second, third and fourth sections respectively introduce the main legal problems existing in the establishment, operation and supervision of the investment guarantee companies in China.The fifth section discusses that the construction of relevant supporting system of investment guarantee companies in China is not perfect, which shows that the imperfect supporting system of guarantee industry has had a negative impact on the development of investment guarantee companies.The third chapter expounds the suggestion of perfecting the legislation of investment guarantee company in our country, this part is the demonstration of the research result of this article.This chapter is divided into four parts, respectively from the investment guarantee company establishment, management, supervision and related system construction four angles, discusses how to solve our country investment guarantee company in the development of the main legal problems.First of all, in the aspect of investment guarantee company establishment, legislator should standardize the establishment condition and unify the establishment procedure.Secondly, in the aspect of investment guarantee company's management, we should make clear its effect beyond the scope of operation and standardize the management rules of guarantee financing business.Thirdly, in the supervision of investment guarantee companies, we should continue to improve the regulatory legislation to change the low level of investment guarantee industry legislation.In view of the disadvantages of the long supervision, we should establish the government single supervision body and improve the supervision system.Finally, we should perfect the risk dispersing mechanism, the supplementary mechanism of guarantee fund and the legal mechanism of internal control of risk in the construction of relevant supporting system of investment guarantee company.Since credit rating plays an important role in the financing guarantee of investment guarantee companies, it is necessary to perfect the legislation of credit rating.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.28;D923

【参考文献】