关于构建我国放贷人法律制度若干问题的研究

发布时间：2018-06-11 15:57

本文选题：放贷人 + 市场准入　；参考：《广西大学》2017年硕士论文

【摘要】：基于我国经济发展下行态势、正规金融满足民间资金融通能力有限、区域民间借贷市场危机多发的考虑,我国应尽快建立起放贷人法律制度体系,承认放贷人的合法性、赋予放贷人合法地位,从市场准入、缔约行为、借款人利益的保护等方面建立并完善相关制度。为鼓励民间资本进入金融领域,解决民间巨大的融资需求,使民间金融在法律的合理规制下与正规金融相辅相成,共同推动我国信贷市场的有序发展,本文以域外国家的放贷人法律制度为研究对象,拟构建我国统一、专门的放贷人法律制度体系,从在该体系的形成与建构中发挥关键作用的核心问题、重要方面如放贷人的市场准入、放贷资金来源、放贷利率规制、借款人利益保护上提出可以适用的建议:明确放贷登记注册机构、资格条件、登记程序,适用核准主义的登记模式加以规制,明文规定放贷人须经法定程序注册登记获取放贷牌照,其放贷行为才合法有效;统一放贷利率适用标准,并随经济发展的实际需求适时调整,从复利收取、额外收费、预扣利息、“阴阳合同”等入手严厉打击高利贷行为的盘剥;切实保护借款人的合法权益,禁止放贷人过度放贷、非法方式收债、借贷双方应当按照规定的形式签署放贷协议、合理发布放贷广告;当前,由国家工商管理部门和金融管理部门发挥监管职能,结合以放贷行业自律组织的自我监督,坚持以自有资金放贷的原则,适时拓宽放贷人的资金来源,配置初期严格的审慎监管并随着放贷人市场的发展情况渐渐调整监管方针的动态监管策略。
[Abstract]:Considering the downward trend of China's economic development, the limited ability of formal finance to meet the needs of private financing, and the frequent crises in the regional private lending market, China should establish a lender legal system as soon as possible to recognize the legitimacy of the lender. To give the lender legal status, establish and perfect the relevant system from the aspects of market access, contracting behavior, the protection of borrower's interests, etc. In order to encourage the private capital to enter the financial field, solve the huge financing needs of the private sector, make the folk finance complement each other with the formal finance under the reasonable regulation of the law, and jointly promote the orderly development of the credit market of our country. This paper takes the lenders' legal system of foreign countries as the research object, and intends to construct a unified and specialized lender's legal system in our country, which will play a key role in the formation and construction of the system. Important aspects such as market access for lenders, sources of lending funds, regulation of lending interest rates, protection of the interests of borrowers, and suggestions that can be applied: make clear the registration institutions, qualification conditions, registration procedures, The registration mode of the application of the principle of approval shall be regulated, and it is expressly stipulated that a lender must be registered through legal procedures to obtain a loan licence before his lending behavior is legal and effective; and the applicable standard for lending interest rates shall be unified. And in accordance with the actual needs of economic development, timely adjustment, starting from compound interest collection, additional charges, withholding interest, "Yin Yang contract" and so on, severely crack down on exploitation of usury; effectively protect the legitimate rights and interests of borrowers; and prohibit lenders from excessive lending. When collecting debts illegally, the two parties shall sign a loan agreement in accordance with the prescribed form, and rationally issue loan advertisements. At present, the State Administration for Industry and Commerce and the financial management department shall exercise their supervisory functions, Combining the self-supervision of self-regulatory organizations in the lending industry, adhering to the principle of lending with their own funds, and broadening the sources of funds of lenders at the right time, Deploy early rigorous prudential regulation and gradually adjust the regulatory approach to dynamic regulatory strategies as the lender market evolves.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.282

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