我国民间借贷行为规范化研究

发布时间：2018-05-15 12:09

本文选题：民间借贷 + 规范化　；参考：《河南科技大学》2013年硕士论文

【摘要】：我国的民间借贷历史悠久，从西周开始发展了几千年，如今在我国覆盖范围广、市场容量大，已成为金融市场中不可缺少的一部分。但是，我国的民间借贷市场还存在着诸多的不规范问题，2011年一系列民间借贷纠纷案件的发生，使越来越多的学者和社会人士开始关注民间借贷规范化的问题。民间借贷市场资金容量大、交易门槛低、交易便捷，对正规金融体系形成了很好的补充作用，因此，如何规范民间借贷市场对我国的金融市场发展和经济发展有这着重大意义。本文的主要结构和内容如下。首先，从现代契约理论和制度变迁理论两个方面解释了民间借贷行为的产生激励，随后对我国民间借贷行为的种类和特点进行了阐述，并总结出了我国的民间借贷存在的利率制度、经营组织不规范、风险控制力弱、法律缺位、容易被非法活动利用方面的问题。温州的金融改革试点为民间借贷行为的规范化提供了探索方向，此外，国际民间借贷市场的成功经验也提供了很好的范本。每个国家的历史传统、经济环境不同，民间借贷市场的形态也不一样，，但是，成功建立起一个规范的民间借贷市场所必备的元素都是一样的。笔者认为，对民间借贷行为的规范化问题，本质上是体制建立的问题，只有在一个合理的体制下，才能够有效约束主体的行为。因此，本文最后从宏观政策态度、市场结构以及监管方法三个层次提出建议。首先，政府应当采取积极鼓励的态度，同时完善法制、自由利率、明确监管主体；其次，可以借鉴美国和德国的经验，采用层级式市场结构，辅助外部审计和信息披露平台；最后，具体的监管措施包括注册备案制、风险监测、保险机制等。
[Abstract]:Our country has a long history of folk lending, which has been developed for thousands of years since the Western Zhou Dynasty. Now it has become an indispensable part of the financial market because of its wide coverage and large market capacity. However, there are still many non-standard problems in the private lending market in our country. The occurrence of a series of private loan disputes in 2011 makes more and more scholars and social people begin to pay attention to the standardization of private lending. The private lending market has large capital capacity, low transaction threshold and convenient transaction, which is a good supplement to the formal financial system. Therefore, how to standardize the private lending market is of great significance to the development of financial market and economic development of our country. The main structure and contents of this paper are as follows. First of all, from the modern contract theory and the theory of institutional change to explain the emergence of private lending behavior incentives, and then the types and characteristics of folk lending behavior in China are expounded. It also summarizes the problems of the interest rate system of our country's folk loan, the non-standard management organization, the weak risk control, the absence of the law, and the problem of being easily used by the illegal activities. The experiment of financial reform in Wenzhou has provided the exploration direction for the standardization of the private lending behavior, in addition, the successful experience of the international private lending market has also provided a good model. The historical tradition and economic environment of each country are different, and the form of private lending market is also different. However, the elements necessary for the successful establishment of a standardized private lending market are the same. The author believes that the standardization of folk lending behavior is essentially a problem of the establishment of a system, and only under a reasonable system can the behavior of the subject be effectively restrained. Therefore, this paper puts forward suggestions from three levels of macro policy attitude, market structure and supervision method. First, the government should take a positive attitude to encourage, at the same time perfect the legal system, free interest rate, clear regulatory body; secondly, we can learn from the experience of the United States and Germany, adopt a hierarchical market structure to assist the external audit and information disclosure platform; Finally, the specific regulatory measures include registration system, risk monitoring, insurance mechanism and so on.
【学位授予单位】：河南科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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