我国民间借贷的法律规制问题研究

发布时间：2018-04-08 11:04

本文选题：民间借贷　切入点：法律规制　出处：《郑州大学》2017年硕士论文

【摘要】：民间借贷一定程度上解决了中小型企业融资难的问题,使企业在高速发展过程中满足了对资金的需求,从而也使得民间资本投资逐利的渠道和出路得以拓宽。面对当前规制我国民间借贷的法律体系尚不完善,加之民间借贷粗放、自发、纷乱的发展模式不可避免地导致其存在一定负面影响,长期游离于国家金融监管体系的边缘。从立法层面上看,法律创新形式制度激励是解决我国民间借贷问题的基本出路。纵观现存的法律法规,在民事、刑事方面,有规制民间借贷的相应法律规定。但立法过于分散,尚无专门立法,现存法律规定之间多有冲突之处,并且民间借贷与其他金融行为界限不清,对于高利贷及其评价标准,目前尚无统一的认识。面对当前混乱的民间借贷市场,分析民间借贷规制的必要性、合理性、合法性,总结境外国家地区民间借贷规制的思路,结合我国实情,建议制定《民间借贷法》确认民间借贷的合法地位,确定民间借贷的主体资格,规范民间借贷合同形式与内容,合理规定利率,对高利贷进行规制。
[Abstract]:To a certain extent, private lending has solved the problem of financing difficulties of small and medium-sized enterprises, which makes enterprises meet the demand for funds in the process of rapid development, thus widening the channels and outlets of private capital investment for profit.In the face of the imperfection of the current legal system of regulating the folk lending in our country, coupled with the extensive and spontaneous folk lending, the chaotic development mode inevitably leads to its existence of certain negative effects, and it has been drifting away from the edge of the national financial supervision system for a long time.From the legislative level, the legal innovation form system incentive is the basic way to solve the problem of folk loan in our country.Throughout the existing laws and regulations, in civil and criminal aspects, there are relevant legal provisions to regulate private lending.However, the legislation is too scattered, there is no special legislation, there are many conflicts between the existing laws and regulations, and the boundaries between private lending and other financial behaviors are not clear. There is no unified understanding of usury and its evaluation criteria.In the face of the current chaotic private lending market, this paper analyzes the necessity, rationality and legitimacy of the regulation of folk lending, sums up the ideas of the regulation of folk lending in foreign countries and regions, and combines the facts of our country.It is suggested that the law of folk lending should be formulated to confirm the legal status of private lending, to determine the subject qualification of private lending, to standardize the form and content of private lending contracts, to set interest rates reasonably, and to regulate usury.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.282

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