论我国民间融资投资者权益的法律保护

发布时间：2018-04-23 18:13

本文选题：民间融资 + 投资者权益　；参考：《中国海洋大学》2014年硕士论文

【摘要】：民间融资的形式多样,中国人民银行根据交易主体、融资用途与利率水平的不同,将民间融资分为四种类型,分别是低利率的互助式借贷、利率水平较高的信用借贷、不规范的中介借贷和变相的企业内部集资。本文所要探讨的是民间融资的最主要形式,利率水平较高的信用借贷,也就是在国家法定会融机构之外,公民个人投资者与非会融企业之间,以取得高额利息与取得资金使用权并支付约定利息为目的而暂时改变资金所有权的金融活动。因为没有法律的规制,投资者在此过程中往往面临着巨大的风险。本文就从投资者权益受损的现状出发,分析我国民间融资在对于投资者权益的法律保护方面存在的问题,探究对投资者权益进行法律保护的必要性和可行性并在此基础上提出相关的完善建议。全文主要分为四大部分。第一部分,我国民间融资的概述。从内涵及成因入手,剖析目前我国民间融资中对投资者权益缺乏法律保护的现状。第二部分,对民间融资投资者权益法律保护缺失的问题进行分析。随着民间融资发展越来越强劲的势头,导致投资者权益受损的问题也越来越多,集中体现在民间融资市场准入机制缺失;信息不对称影响投资者监督权的行使；投资者举证困难,司法救济难度大这三个方面。第三部分,对投资者权益进行保护是必要的,也是可行的。必要性体现在投资者自我保护能力不足,我国目前也缺乏相应的投资者权益保护机构,而且保护投资者权益是推动民间融资健康有序发展的前提和关键；可行性体现在两个方面,政府机构上,可以确立银监会的内设部门非银行金融机构监管部作为专门监管机构；民间组织上,可以参照消费者权益保护协会建立一个民间融资投资者权益保护协会。第四部分,提出相对应的解决对策和建议。包括建立民间融资市场准入机制;建立健全信息披露机制；延伸司法服务职能,完善司法保护。
[Abstract]:The people's Bank of China divides private financing into four types according to the different levels of transaction subjects, financing uses and interest rates. They are mutual loans with low interest rates and credit loans with higher interest rates. Non-standard intermediary lending and disguised internal financing of enterprises. What this article wants to discuss is the most important form of private financing, credit lending with relatively high interest rates, that is, between individual citizens investors and non-financial enterprises in addition to the national statutory financial institutions. A financial activity that temporarily alters the ownership of funds for the purpose of obtaining high interest and obtaining the right to use funds and paying agreed interest. Because there is no legal regulation, investors often face huge risks in the process. Based on the current situation of the damage to the rights and interests of investors, this paper analyzes the problems existing in the legal protection of the rights and interests of investors in China's private financing. This paper explores the necessity and feasibility of legal protection of investors' rights and interests and puts forward relevant suggestions. The paper is divided into four parts. The first part is an overview of private financing in China. Starting with the connotation and cause of formation, this paper analyzes the current situation of the lack of legal protection of investors' rights and interests in private financing in our country. The second part analyzes the lack of legal protection of private financing investors' rights and interests. As the development of private financing becomes stronger and stronger, there are more and more problems that lead to the loss of investors' rights and interests, which are mainly reflected in the absence of private financing market access mechanism, the information asymmetry affecting the exercise of investors' supervisory power. Investor proof difficulty, judicial remedy difficulty these three aspects. The third part, carries on the protection to the investor rights and interests is necessary, is also feasible. The necessity is reflected in the insufficient ability of self-protection of investors and the lack of corresponding institutions for protecting the rights and interests of investors in our country at present, and the protection of the rights and interests of investors is the prerequisite and key to promote the healthy and orderly development of private financing; The feasibility can be reflected in two aspects: the government agencies, the internal departments of the CBRC, the supervision departments of non-bank financial institutions as the specialized regulatory bodies, and the non-governmental organizations, Can refer to consumer rights and interests protection association to establish a private financing investor rights and interests protection association. The fourth part, proposes the corresponding solution countermeasure and the suggestion. It includes establishing private financing market access mechanism, establishing and perfecting information disclosure mechanism, extending the function of judicial service and perfecting judicial protection.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.28

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