民间金融组织中信贷经纪人的法律规制研究

发布时间：2018-04-16 00:16

本文选题：民间金融组织 + 信贷经纪人　；参考：《西南民族大学学报(人文社会科学版)》2014年09期

【摘要】：信贷经纪人直接影响到借款人资信评估质量、信贷业务的合规审核、放贷业务风险的审核以及催债业务的合法推进,显然已经成为民间金融组织业务活动和风险防控的核心,因此需要严格规范。目前,信贷经纪人的概念在新型金融借贷机构不断出现的背景下缺乏统一的界定,其业务种类和行为标尺更没有清晰和明确的规范与监管。在对民间借贷风险追根溯源之时会发现,风险早已埋藏在信贷经纪人这一环节。为规避和预控借贷风险,在类型差异化的民间金融组织中,完善的治理机制中应有专门针对信贷经纪人的法律规范,以综合性的法律约束机制来严格规制信贷经纪人的行为。
[Abstract]:Credit brokers directly affect the quality of the credit rating of borrowers, the compliance audit of credit operations, the audit of the risks of lending business and the legal promotion of debt reminders. Obviously, they have become the core of the business activities and risk prevention and control of private financial organizations.Therefore, strict regulation is needed.At present, the concept of credit broker is lack of uniform definition under the background of the new financial lending institution, and there is no clear and clear regulation and supervision of its business type and behavior scale.When tracing the origin of private lending risk, we can find that the risk has already been buried in the credit broker.In order to avoid and pre-control the loan risk, the perfect governance mechanism in the different types of private financial organizations should have special legal norms for credit brokers, and strictly regulate the behavior of credit brokers with comprehensive legal restraint mechanism.
【作者单位】：吉林财经大学法学院;国家检察官学院;中国人民大学;
【基金】：教育部青年基金项目“中国金融体制改革中民间借贷规范化研究”(12YJC820014) 吉林省教育厅项目“吉林省农村金融服务创新研究:以产权融资改革委视角”(吉教科文合字[2013]第170号)阶段性成果
【分类号】：D922.282

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