本文關(guān)鍵詞：非金融企業(yè)金融從業(yè)行為的合法性分析及應(yīng)對(duì)　出處：《華東政法大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 金融監(jiān)管 非金融企業(yè) 民間借貸 金融改革

【摘要】：近幾年，全國(guó)范圍內(nèi)民間借貸井噴式發(fā)展，大量以投資公司、咨詢公司等名義從事民間借貸活動(dòng)的組織如雨后春筍般在各地街頭出現(xiàn)，民間融資由個(gè)人之間隱蔽的拆借發(fā)展到半公開的公司化運(yùn)作，其背后是民間融資市場(chǎng)的巨大需求。以往對(duì)民間借貸的研究普遍從宏觀角度對(duì)民間借貸行為進(jìn)行整體性解讀，一般從民間借貸的合理性、必要性出發(fā)，介紹現(xiàn)有的幾種形式，分析其存在的如高利貸等問題，最后提出建議。而對(duì)于實(shí)踐中廣泛存在的以投資公司等名義從事民間借貸的合法性，未有直接深入的研究。本文僅以非金融企業(yè)從事的民間借貸活動(dòng)為研究對(duì)象，選取民間金融相對(duì)落后尚未發(fā)生大范圍金融風(fēng)險(xiǎn)的中部地區(qū)某縣，以該縣的匯金投資咨詢公司為例，從微觀視角對(duì)該類公司從事民間借貸活動(dòng)的經(jīng)營(yíng)行為進(jìn)行法律解讀，試圖明確從事借貸業(yè)務(wù)的非金融企業(yè)的法律地位，并在民間借貸瘋狂發(fā)展，可能引起大范圍金融風(fēng)險(xiǎn)的背景下，提出國(guó)家應(yīng)立法保障放貸人的貸款權(quán)，促進(jìn)借貸市場(chǎng)的自由競(jìng)爭(zhēng)，同時(shí)也要對(duì)放貸人適當(dāng)監(jiān)管，，規(guī)范其經(jīng)營(yíng)行為，降低金融風(fēng)險(xiǎn)。 文章共分為三個(gè)章節(jié)，第一章首先從資金來源、出借方式、風(fēng)險(xiǎn)控制及債權(quán)實(shí)現(xiàn)方式四個(gè)方面簡(jiǎn)單介紹匯金公司的經(jīng)營(yíng)模式；第二章是文章重點(diǎn)章節(jié)，分別從金融監(jiān)管法、公司法、合同法三個(gè)角度對(duì)匯金公司經(jīng)營(yíng)行為進(jìn)行合法性分析，匯金公司以現(xiàn)代公司形式經(jīng)營(yíng)傳統(tǒng)金融業(yè)務(wù)，但其總體上還屬傳統(tǒng)熟人金融的范疇，與現(xiàn)代銀行有本質(zhì)不同。金融監(jiān)管的主要目的是解決信息不對(duì)稱的問題，而匯金公司經(jīng)營(yíng)以熟人網(wǎng)絡(luò)為基礎(chǔ)，基本不存在信息不對(duì)稱，所以不應(yīng)按照現(xiàn)代金融企業(yè)進(jìn)行審慎性監(jiān)管，當(dāng)然其運(yùn)營(yíng)過程中存在超越經(jīng)營(yíng)范圍、不符合現(xiàn)代公司治理結(jié)構(gòu)等不規(guī)范的問題；第三章先簡(jiǎn)單分析匯金公司類民間借貸組織活躍的原因，最后提出兩個(gè)未來發(fā)展的對(duì)策，首先是立法層面推出《放貸人條例》，從法律層面認(rèn)可民間借貸組織的合法性，并對(duì)《放貸人條例》草案內(nèi)容提出立法建議；其次是制度層面，應(yīng)完善民間借貸組織通過民間借貸中心的登記制度，引導(dǎo)民間借貸行為在陽光下發(fā)展。
[Abstract]:In recent years, private lending development spurt nationwide, a large number of investment companies, consulting companies and other private lending activities in the name of the organization such as like bamboo shoots after a spring rain around the streets, folk financing by individuals between the hidden semi public lending to the operation of the company, which is behind the huge demand of private financing market. In the past the research on private lending generally from a macro perspective on the private lending behavior of holistic interpretation, from the rationality of private lending, the necessity of introducing several existing forms of analysis, such as high interest loans and other problems, finally put forward some suggestions. The legitimacy for widespread practice in the name of investment company engaged in private lending, not directly into the study. This paper only engaged in private lending activities in non financial enterprises as the research object, selects the folk finance is relatively backward yet There is a wide range of financial risk in central region, in the county Huijin Investment Advisory Company as an example, from the micro perspective of business behavior in such companies engaged in private lending activities of legal interpretation, trying to clear the legal status of non financial enterprises engaged in lending business, and the crazy development in private lending, may cause a large range of financial under the background of risk, put forward national legislation to protect lenders loan rights, promote free competition in the lending market, but also to lenders proper supervision and standardize its business behavior, reduce the financial risk.
The article is divided into three chapters, the first chapter from the source of funds, loan, risk control and the realization of the creditor's rights four aspects introduces Huijin business model; the second chapter is the key chapter, separately from the financial supervision law, company law, contract law three angles of Huijin operation behavior legal analysis of Huijin to modern company operating the traditional banking business, but on the whole still belongs to the traditional acquaintance financial category, and is essentially different from modern banks. The main purpose of financial regulation is to solve the information asymmetry problem, Huijin Company to operate with acquaintance network based, there is no information asymmetry, so should be carried out in accordance with the prudential supervision of financial enterprise, of course the operational process exist beyond the scope of business, do not meet the standard of modern corporate governance structure and other issues; the third chapter The reason is simple analysis of Huijin folk lending organizations active, finally put forward two countermeasures for future development, first is the legislation introduced < lending regulations ", from the legitimacy of the legal level recognition of private lending organizations, and puts forward some legislative suggestions on the" lending Ordinance > draft; followed by the system level, should perfect the folk the lending organization through private lending center registration system, the development in the sun to guide the private lending behavior.

【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.28

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 雷新勇;;民間融資的法律壓制及其消解舉措[J];法律適用;2012年09期

本文編號(hào)：1396437