本文選題：民間借貸 + 法律適用�。� 參考：《鄭州大學(xué)》2016年碩士論文

【摘要】：隨著經(jīng)濟全球化的大趨勢和金融市場化改革,我國中小微型企業(yè)日益增多,愈來愈復(fù)雜的金融產(chǎn)品和金融借貸市場改革,企業(yè)融資和民間個人借貸問題在實務(wù)中糾紛一直不斷。在此之前,我國對民間借貸的監(jiān)管措施一直較為單一,雖然民間借貸作為企業(yè)或個人最為重要的融資手段之一,但是由于其不在嚴(yán)格的金融機構(gòu)的管控之下,企業(yè)之間的訂立的借貸合同一直處于法律管制的邊緣,沒有合適的立法保護(hù),且司法傾向于壓制態(tài)度。加之借貸市場混亂,自然人借貸之間如利息、合同效力或一方為自然人的借貸合同之間法律并無明確規(guī)定,這也意味著存在諸多法律漏洞,無法規(guī)范借貸行為的后果,使自然人或企業(yè)難以正當(dāng)投資,自然人之間因借貸問題矛盾重重,民間借貸的司法救濟相對薄弱,對民間借貸適用法律的問題亟待明確規(guī)范。二零一五年九月一日,我國實施《最高人民法院關(guān)于審理民間借貸案件適用法律若干問題的規(guī)定》(以下簡稱《規(guī)定》),該規(guī)定首次嘗試性的規(guī)定了“高利貸”的確定范圍,首次有條件地將企業(yè)或其它組織之間的融資借貸也納入了民間借貸的法律調(diào)整范圍,是對1991年的《借貸案件意見》整體的補充,也在市場利率化、互聯(lián)網(wǎng)經(jīng)濟發(fā)展的前提下,明晰了P2P網(wǎng)貸借貸關(guān)系中借貸平臺的責(zé)任。隨著《規(guī)定》的實施,如何結(jié)合原有的《借貸案件意見》《合同法》以及諸多的地方性政策文件等的理解適用民間借貸的諸多問題,將對解決民間借貸糾紛實際問題,緩解借貸市場矛盾至關(guān)重要。本文主要討論的是民間借貸適用法律若干問題,根據(jù)最新民間借貸司法解釋的出臺,以綜合分析的方法概括地比較了法律法規(guī)對民間借貸諸多問題上的分歧意見和最終的司法態(tài)度,總結(jié)出在民間借貸合同效力認(rèn)定、企業(yè)之間民間借貸的特殊問題以及存在較大爭議的民間借貸利率問題上我們應(yīng)采取怎樣的裁判標(biāo)準(zhǔn)和具體案件中的實施運用。對這些問題的具體認(rèn)定,有利于緩解借貸主體的矛盾,進(jìn)一步規(guī)范我國民間借貸市場。
[Abstract]:With the trend of economic globalization and the reform of financial marketization, the number of small and medium enterprises in China is increasing day by day, and the reform of financial products and financial lending market is becoming more and more complicated. The problems of enterprise financing and private personal lending have been in constant dispute in practice. Prior to this, our country has a relatively simple regulatory measures on private lending. Although private lending is one of the most important financing means of enterprises or individuals, it is not under strict control of financial institutions. The loan contract between enterprises has always been on the edge of the legal control, without appropriate legislative protection, and the judiciary tends to suppress the attitude. In addition to the confusion in the lending market, there is no clear stipulation between the laws between natural person loans such as interest, the validity of contracts or the loan contracts where one party is a natural person. This also means that there are many legal loopholes that cannot regulate the consequences of lending behavior. It makes it difficult for natural persons or enterprises to invest properly, and there are many contradictions between natural persons because of the problems of borrowing and borrowing, and the judicial relief of folk loans is relatively weak. The problem of applying law to folk lending needs to be clearly regulated. On September 1, 2015, China implemented the provisions of the Supreme people's Court on some issues concerning the application of law to private lending cases (hereinafter referred to as "regulations"), which for the first time set out the scope of "usury". For the first time, financing and lending between enterprises or other organizations has been brought into the scope of legal adjustment of private lending for the first time. It is a supplement to the "opinions on loan cases" in 1991, and also under the premise of market interest rates and the development of the Internet economy. It clarifies the responsibility of the loan platform in the loan-loan relationship of P2P network. With the implementation of "regulations", how to understand and apply the problems of folk lending in combination with the original "opinions on loan cases" and "contract Law" and many local policy documents will solve the practical problems of private lending disputes. Easing lending market tensions is crucial. This paper mainly discusses some problems of the applicable law of private lending, according to the introduction of the latest judicial interpretation of private lending, By means of comprehensive analysis, the author compares the different opinions and the final judicial attitude of the laws and regulations on many issues of folk lending, and concludes that the validity of the folk loan contract is determined. The special problems of private lending between enterprises and the controversial issue of private lending interest rate should be adopted what kind of adjudication standards and specific cases in the implementation of the application. The concrete determination of these problems will help to alleviate the contradiction of the main body of the loan and further standardize the private lending market in our country.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：D922.282

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本文編號：2088103