關(guān)于非金融企業(yè)間借貸行為合法化的研究
發(fā)布時(shí)間：2018-11-11 01:00
【摘要】：現(xiàn)代企業(yè)發(fā)展迅速，競(jìng)爭(zhēng)環(huán)境日益激烈，要想在國(guó)內(nèi)及國(guó)際市場(chǎng)中求生存、求發(fā)展，解決資金來(lái)源問(wèn)題是重中之重，尤其是對(duì)于中小型企業(yè)來(lái)說(shuō)，融資難已成為其發(fā)展階段的首要問(wèn)題，他們迫切需要更為直接有效的融資手段。隨著我國(guó)民間資本的累積過(guò)剩，向金融機(jī)構(gòu)獲得間接融資的方式已經(jīng)無(wú)法滿足企業(yè)的融資需求和社會(huì)剩余資金的流動(dòng)，因此，企業(yè)間借貸是否應(yīng)當(dāng)合法化成為了社會(huì)各界廣泛探討的問(wèn)題。 目前，我國(guó)對(duì)非金融企業(yè)間借貸采取的是禁止態(tài)度，但現(xiàn)行立法中模棱兩可的條文表述使否定企業(yè)間借貸缺乏最有力的依據(jù)；而各級(jí)法院也逐漸意識(shí)到全面禁止企業(yè)間借貸所存在的缺陷和局限性，故在司法實(shí)務(wù)中越來(lái)越多地出現(xiàn)變相地默認(rèn)企業(yè)間借貸行為效力。國(guó)內(nèi)觀念轉(zhuǎn)變和態(tài)度軟化成為了適應(yīng)市場(chǎng)發(fā)展的必然選擇。在發(fā)達(dá)國(guó)家和地區(qū)，大多以不同的方式肯定了非金融企業(yè)間借貸行為，可以說(shuō)允許企業(yè)間借貸是大勢(shì)所趨。那么在我國(guó)，允許非金融企業(yè)間借貸是否具有學(xué)理基礎(chǔ)，這一行為合法化后會(huì)引發(fā)怎樣的風(fēng)險(xiǎn)，如何借鑒國(guó)外的先進(jìn)經(jīng)驗(yàn)，構(gòu)建出適合我國(guó)國(guó)情的非金融企業(yè)間借貸制度，都是本文研究討論的重點(diǎn)。 本文除導(dǎo)言和結(jié)語(yǔ)外，分為四個(gè)部分。 第一部分對(duì)非金融企業(yè)間借貸行為的法律界定進(jìn)行概述，并結(jié)合當(dāng)前實(shí)踐，分析現(xiàn)存具有代表性的借貸形式，旨在從形式上理清當(dāng)前我國(guó)認(rèn)定企業(yè)間借貸行為之效力的現(xiàn)狀。第二部分對(duì)非金融企業(yè)間借貸合法化進(jìn)行合理性分析，兼論合法化的正面效益與負(fù)面效應(yīng)，從合法化利大于弊的角度，，得出放開(kāi)非金融企業(yè)間借貸行為存在合理性。第三部分對(duì)非金融企業(yè)間借貸合法化進(jìn)行可行性分析，從現(xiàn)行立法與司法態(tài)度以及《放貸人條例》的起草和小額貸款公司的興起，論證合法化的境內(nèi)環(huán)境土壤已逐漸形成，然后分析借鑒美國(guó)NDTL制度、香港地區(qū)《放債人條例》、P2P借貸模式，對(duì)我國(guó)非金融企業(yè)間借貸提出合法化期待。第四部分主要討論立法設(shè)計(jì)與制度完善，從監(jiān)管主體、監(jiān)管原則、監(jiān)管內(nèi)容三方面對(duì)《企業(yè)借貸法》提出初步的制度設(shè)計(jì)，并通過(guò)《公司法》的修訂，正式確立非金融企業(yè)間借貸的合法地位，完善其他相關(guān)制度。
[Abstract]:With the rapid development of modern enterprises and the increasingly fierce competitive environment, to survive and develop in the domestic and international markets, the most important thing is to solve the problem of source of funds, especially for small and medium-sized enterprises. The difficulty of financing has become the most important problem in its development stage, and they urgently need more direct and effective means of financing. With the accumulated surplus of private capital in China, the way to obtain indirect financing from financial institutions has been unable to meet the financing needs of enterprises and the flow of social surplus funds. Whether inter-firm lending should be legalized has become a widely discussed issue in the society. At present, our country adopts the prohibition attitude to the non-financial enterprise borrowing, but the ambiguous expression in the current legislation makes the negation of the inter-firm lending lack the most powerful basis; The courts at all levels are gradually aware of the defects and limitations of the total prohibition of inter-firm lending, so more and more in judicial practice there is a disguised default effect of inter-firm lending. Domestic concept changes and attitude softening has become the inevitable choice to adapt to the development of the market. In developed countries and regions, the behavior of non-financial enterprises is affirmed in different ways, so it is the trend of the times to allow inter-firm lending. Well, in our country, whether there is a theoretical basis for allowing loans between non-financial enterprises, what kind of risks will be caused after this behavior is legalized, and how to draw lessons from the advanced experience of foreign countries to construct a lending system between non-financial enterprises that is suitable for the national conditions of our country? Are the focus of this study. In addition to the introduction and conclusion, this article is divided into four parts. The first part gives an overview of the legal definition of lending behavior among non-financial enterprises, and analyzes the existing representative lending forms in combination with the current practice, in order to clarify the current situation of the validity of inter-firm lending in China. The second part analyzes the rationality of legalization of lending among non-financial enterprises, and discusses the positive benefits and negative effects of legalization. From the point of view that legalization outweighs the disadvantages, it concludes that it is reasonable to liberalize the behavior of lending among non-financial enterprises. The third part analyzes the feasibility of legalizing lending among non-financial enterprises. From the current legislative and judicial attitudes, the drafting of the "lender regulations" and the rise of micro-credit companies, it is demonstrated that the domestic environmental soil of legalization has gradually formed. Then it analyzes and draws lessons from the NDTL system of the United States, Hong Kong "money lenders regulations", P2P lending mode, and puts forward the legalization expectation to the non-financial enterprises in our country. The fourth part mainly discusses the legislative design and system perfection, puts forward the preliminary system design of the Enterprise loan Law from three aspects: the main body of supervision, the principle of supervision and the content of supervision, and adopts the revision of Company Law. Formally establish the legal status of non-financial enterprises to borrow and improve other relevant systems.
【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)】：D922.291.91;D922.28
本文編號(hào)：2324061
[Abstract]:With the rapid development of modern enterprises and the increasingly fierce competitive environment, to survive and develop in the domestic and international markets, the most important thing is to solve the problem of source of funds, especially for small and medium-sized enterprises. The difficulty of financing has become the most important problem in its development stage, and they urgently need more direct and effective means of financing. With the accumulated surplus of private capital in China, the way to obtain indirect financing from financial institutions has been unable to meet the financing needs of enterprises and the flow of social surplus funds. Whether inter-firm lending should be legalized has become a widely discussed issue in the society. At present, our country adopts the prohibition attitude to the non-financial enterprise borrowing, but the ambiguous expression in the current legislation makes the negation of the inter-firm lending lack the most powerful basis; The courts at all levels are gradually aware of the defects and limitations of the total prohibition of inter-firm lending, so more and more in judicial practice there is a disguised default effect of inter-firm lending. Domestic concept changes and attitude softening has become the inevitable choice to adapt to the development of the market. In developed countries and regions, the behavior of non-financial enterprises is affirmed in different ways, so it is the trend of the times to allow inter-firm lending. Well, in our country, whether there is a theoretical basis for allowing loans between non-financial enterprises, what kind of risks will be caused after this behavior is legalized, and how to draw lessons from the advanced experience of foreign countries to construct a lending system between non-financial enterprises that is suitable for the national conditions of our country? Are the focus of this study. In addition to the introduction and conclusion, this article is divided into four parts. The first part gives an overview of the legal definition of lending behavior among non-financial enterprises, and analyzes the existing representative lending forms in combination with the current practice, in order to clarify the current situation of the validity of inter-firm lending in China. The second part analyzes the rationality of legalization of lending among non-financial enterprises, and discusses the positive benefits and negative effects of legalization. From the point of view that legalization outweighs the disadvantages, it concludes that it is reasonable to liberalize the behavior of lending among non-financial enterprises. The third part analyzes the feasibility of legalizing lending among non-financial enterprises. From the current legislative and judicial attitudes, the drafting of the "lender regulations" and the rise of micro-credit companies, it is demonstrated that the domestic environmental soil of legalization has gradually formed. Then it analyzes and draws lessons from the NDTL system of the United States, Hong Kong "money lenders regulations", P2P lending mode, and puts forward the legalization expectation to the non-financial enterprises in our country. The fourth part mainly discusses the legislative design and system perfection, puts forward the preliminary system design of the Enterprise loan Law from three aspects: the main body of supervision, the principle of supervision and the content of supervision, and adopts the revision of Company Law. Formally establish the legal status of non-financial enterprises to borrow and improve other relevant systems.
【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)】：D922.291.91;D922.28
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1 李志剛;;經(jīng)濟(jì)法上的兩權(quán)對(duì)抗及其消解——以國(guó)家對(duì)民間融資的法律管制為視角[J];法學(xué);2006年01期
相關(guān)碩士學(xué)位論文 前1條
1 于野;非金融企業(yè)間借貸行為規(guī)制及立法研究[D];浙江大學(xué);2011年
本文編號(hào)：2324061
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