【摘要】：民間借貸在某種程度上是對我國正規(guī)金融的一個極大補充,對于許多中小企業(yè)來說,是一個很好的解決融資問題的方式,促進了我國社會經濟的發(fā)展。但是我國對民間借貸行為長期進行的是高壓管制政策,暴露出來許多弊端,比如監(jiān)管主體多頭、監(jiān)管對象規(guī)定混亂、利率規(guī)定不合理等,這對我國民間借貸自由發(fā)揮功能產生了極大的阻力,甚至使得許多行為都處于非法的狀態(tài),極容易產生金融危害。針對我國目前實行的民間借貸法律監(jiān)管制度,本文運用了規(guī)范分析法和比較分析法等進行研究,先對與本文相關民間借貸及其法律監(jiān)管的概念進行界定,分析民間借貸的監(jiān)管形態(tài)及必要性。然后從我國民間借貸法律監(jiān)管的相關規(guī)定及法律制度的發(fā)展,分析目前我國民間借貸法律監(jiān)管的現(xiàn)狀,解析他們存在的問題。介紹幾個國家以及臺灣地區(qū)在這方面的做法,從而為我國在這方面的法律制度完善提供思路。本文共分為四個部分:第一部分,從理論入手,界定了民間借貸的法律內涵,概括了民間借貸的主要形式。分析民間借貸法律監(jiān)管的概念,介紹了民間借貸法律監(jiān)管的形態(tài)。第二部分,從我國民間借貸法律監(jiān)管的相關規(guī)定及法律制度的發(fā)展現(xiàn)狀入手,具體深入地分析我國在這方面的做法及存在的問題。第三部分,概括介紹了美國、日本、印度和我國臺灣地區(qū)在民間借貸法律監(jiān)管方面的具體做法和豐富經驗,以期為我國民間借貸法律監(jiān)管的進一步完善提供借鑒和啟發(fā)。第四部分,提出了完善我國民間借貸監(jiān)管體制的幾項對策:明確民間借貸監(jiān)管的原則,建立全方位的監(jiān)管體系、設立行業(yè)準入制度、完善關于借貸利率的相關規(guī)定及民間借貸備案登記制度。
[Abstract]:To some extent, private lending is a great supplement to the formal finance in China. For many small and medium-sized enterprises, it is a good way to solve the financing problems and promote the development of our country's social economy. However, our country has long carried on the high pressure control policy to the private lending behavior, which has exposed many disadvantages, such as supervision. The subject is multiple, the regulatory object is confusing and the interest rate is not reasonable. This has caused great resistance to the function of the freedom of private lending in our country, even makes many behavior in the state of illicit, and it is very easy to produce financial harm. In the study of comparative analysis, we first define the concept of the related folk lending and its legal supervision, analyze the supervision form and necessity of private lending, and then analyze the present situation of the legal supervision of private lending in our country and analyze their existence from the relevant regulations of the legal supervision and the development of the legal system in our country. This paper is divided into four parts: the first part, from the theory, it defines the legal connotation of private lending, summarizes the main forms of private lending, and analyzes the concept of legal supervision of private lending. This paper introduces the form of legal supervision of private lending. The second part, starting with the relevant regulations of the legal supervision and the development of the legal system in our country, analyzes the practice and the existing problems in this respect in detail and deeply. The third part introduces the law of private lending in the United States, Japan, India and the Taiwan area of China. In order to provide reference and inspiration for the further improvement of the legal supervision of private lending in China, the fourth part puts forward some countermeasures to improve the supervision system of private lending in our country: the principles of the supervision of private lending, the establishment of an omni-directional regulatory system, the establishment of an industry access system, and the perfection of the system. The relevant provisions of lending rates and private lending registration system.
【學位授予單位】：華僑大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.28
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本文編號：2138540