本文選題：法律規(guī)制 + 民間借貸�。� 參考：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2013年碩士論文

【摘要】：民間借貸是一種古老的融資方式，在其漫長(zhǎng)的發(fā)展歷史中，既有過(guò)高峰也經(jīng)歷過(guò)低谷。隨著社會(huì)主義市場(chǎng)經(jīng)濟(jì)的不斷發(fā)展，民間借貸游離于我國(guó)現(xiàn)行金融體制之外，以驚人的速度日益壯大。它猶如一把“雙刃劍”，一方面作為正規(guī)金融的有益補(bǔ)充，滿足了多層次的市場(chǎng)資金需求，尤其對(duì)中小企業(yè)的發(fā)展具有重要作用；另一方面又由于其的自發(fā)性，，立法、監(jiān)管等方面的缺位，缺乏外部約束與制度支撐，給金融穩(wěn)定和市場(chǎng)經(jīng)濟(jì)的平穩(wěn)運(yùn)行帶來(lái)了潛在的危險(xiǎn)。 近年來(lái)，借助于豐富的“羊、煤、土、氣”資源，內(nèi)蒙古自治區(qū)鄂爾多斯地區(qū)經(jīng)濟(jì)的快速發(fā)展，但在經(jīng)濟(jì)快速發(fā)展的同時(shí)，由于我國(guó)金融體制和機(jī)制種種限制的緣故，當(dāng)?shù)氐拿耖g借貸活動(dòng)日益頻繁，并已成為當(dāng)?shù)刂饕娜谫Y手段�？梢哉f(shuō)，鄂爾多斯地區(qū)的民間借貸是我國(guó)目前民間金融發(fā)展?fàn)顩r的一大典型。不斷蓬勃發(fā)展的民間借貸市場(chǎng)，給正規(guī)金融市場(chǎng)注入了一股活力，對(duì)于鄂爾多斯地區(qū)非公有制經(jīng)濟(jì)的發(fā)展有著不可替代的作用。在法律管制缺位和當(dāng)?shù)亟?jīng)濟(jì)形勢(shì)下滑的現(xiàn)狀下，因其的自發(fā)性、隱蔽性以及對(duì)信用保障機(jī)制的過(guò)于依賴，導(dǎo)致鄂爾多斯地區(qū)的民間借貸問(wèn)題重重，借貸利率一路飆升，高利轉(zhuǎn)貸、以貸還貸以及民間金融機(jī)構(gòu)違規(guī)操作現(xiàn)象普遍存在，在一定程度上加速了當(dāng)?shù)亟?jīng)濟(jì)滑鐵盧。 目前，我國(guó)并沒(méi)有一套完整的法律體系對(duì)民間借貸進(jìn)行保護(hù)與限制，僅是在《民法通則》、《合同法》等法律法規(guī)中對(duì)其有一些原則性規(guī)定，過(guò)于籠統(tǒng)。因此，建立與完善我國(guó)民間借貸法律制度和監(jiān)管體制顯得尤為重要。 本文從內(nèi)蒙古鄂爾多斯地區(qū)民間借貸現(xiàn)狀和困境分析入手，分析研究當(dāng)?shù)孛耖g借貸的獨(dú)有特點(diǎn)及社會(huì)影響力，進(jìn)而提出在市場(chǎng)經(jīng)濟(jì)條件下對(duì)民間借貸進(jìn)行有重點(diǎn)規(guī)制之建議，以求最大限度地維護(hù)債權(quán)人的債權(quán)和保護(hù)債務(wù)人的人身財(cái)產(chǎn)權(quán)利。
[Abstract]:Private lending is an ancient financing method. In its long history, it has experienced both peaks and valleys. With the continuous development of socialist market economy, private lending outside the current financial system of our country, growing at an alarming speed. It is like a "double-edged sword", on the one hand, as a useful supplement to the formal finance, it meets the multi-level market capital demand, especially for the development of small and medium-sized enterprises; on the other hand, because of its spontaneity, it legislates. The absence of supervision, lack of external constraints and institutional support brings potential risks to financial stability and smooth operation of market economy. In recent years, with the help of abundant "sheep, coal, soil and gas" resources, the economy of Erdos region in Inner Mongolia Autonomous region has developed rapidly, but at the same time, due to various constraints of China's financial system and mechanism, Local private lending activities are increasingly frequent, and has become the main local financing means. It can be said that private lending in Ordos region is a typical example of the development of private finance in China. The booming private lending market has injected a vitality into the formal financial market, which plays an irreplaceable role in the development of non-public ownership economy in Ordos region. Because of its spontaneity, concealment and too much reliance on the credit guarantee mechanism, due to the absence of legal control and the sliding local economic situation, the folk borrowing problem in Ordos region is full of problems, and the borrowing interest rate has soared all the time. The phenomenon of usury, loan repayment and non-government financial institutions' illegal operation has accelerated the local economy to a certain extent. At present, our country does not have a set of complete legal system to protect and restrict the folk loan, only in "Civil Law General principles", "contract Law" and other laws and regulations have some principle stipulation, it is too general. Therefore, it is very important to establish and perfect the legal system and supervision system of non-government loan in our country. This paper begins with the analysis of the current situation and predicament of folk lending in Ordos region of Inner Mongolia, analyzes and studies the unique characteristics and social influence of local folk lending, and then puts forward some suggestions on how to regulate folk lending under the market economy conditions. In order to maximize the protection of creditor's rights and the protection of the debtor's rights of life and property.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D923

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