我国民间借贷利率的法律规制研究

发布时间：2018-06-18 20:34

本文选题：民间借贷 + 利率　；参考：《广西大学》2017年硕士论文

【摘要】：民间借贷在我国已经存在了将近五千年,而七、八十年前我国的正式金融才诞生,民间金融是正式金融的渊源。改革开放以来,市场经济的发展和金融市场化进程的加快促进了民间金融的繁荣,近几年来,余额宝、蚂蚁花呗等网贷的出现使得民间借贷更多样化,同时也出现更多问题,旺盛而又缺乏完善的法律规制的民间借贷市场极易引发恶意讨债、非法集资等犯罪现象的发生,2012年的“吴英案”就是典型案例。利率的上限标准应该设置为多少是作非正式金融研究的关键问题,中国成为WTO成员国已经将近二十年,放开资本行业的管控是早晚的事,不仅要把利率交给市场来决定,还要正视金融机构非国营化的趋势,但这些改革趋势需要与之发展相匹配的行为规范,因此一部完善的关于非正式金融利率的法律十分必要。加上配合资本市场放开的步伐,我国现时期的民间借贷急需构建完善的法律法规体系。因此,笔者决定选择此课题进行学习和研究。文中主要从历史上和国外的角度比较分析。首先,非正式金融基础理论是本文的第一部分,主要是民间借贷和利率的相关含义;其次,从历史和时间的角度比较分析我国非正式金融利率的演变;再次,比较分析各国各地区的民间借贷利率规制,以期得出一些有益的借鉴经验;又次,分析“4倍利率”和“24%、36%年利率”标准的影响因素、成因和评价;最后,得出笔者认为非正式金融利率的合理上限。
[Abstract]:Private lending has existed in our country for nearly five thousand years, and the formal finance of our country was only born seven or eighty years ago. Private finance is the origin of formal finance. Since the reform and opening up, the development of the market economy and the acceleration of the process of financial marketization have promoted the prosperity of private finance. In recent years, the emergence of online loans such as Yu'e Bao, Ant Flower and so on has made folk lending more diversified, and at the same time, there have been more problems. The vigorous and lack of perfect legal regulation of the folk lending market can easily lead to malicious debt collection, illegal fund-raising and other criminal phenomena. The "Wu Ying case" in 2012 is a typical case. The key issue in informal financial research is how much the upper limit of interest rates should be set. China has been a member of the WTO for nearly two decades. It is only a matter of time before we liberalize the control of the capital industry, and not just leave the interest rate to the market to decide. We should also face up to the trend of non-state-owned financial institutions, but these reform trends need to be matched with the development of the code of conduct, so a perfect law on informal financial interest rate is very necessary. In addition, with the pace of capital market liberalization, China's current period of private lending needs to build a sound system of laws and regulations. Therefore, the author decided to choose this subject for study and research. This article mainly from the historical and foreign angle of comparison and analysis. First, the basic theory of informal finance is the first part of this paper, mainly the meaning of private lending and interest rate; secondly, from the perspective of history and time to compare and analyze the evolution of informal financial interest rate; third, This paper compares and analyzes the regulation of private lending interest rates in various countries and regions in order to draw some useful lessons from them, and then analyzes the influencing factors, causes and evaluation of the standards of "4 times interest rate" and "24% 36% annual interest rate". Finally, it analyzes the reasons and the evaluation of the standard of "4 times interest rate" and "24% 36% annual interest rate". The author thinks that the reasonable upper limit of informal financial interest rate.
【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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