【摘要】：改革開放以來,私營企業(yè)在市場經(jīng)濟中起到舉足輕重的作用,成為國民經(jīng)濟的支柱。隨著私營企業(yè)的大規(guī)模發(fā)展,有些問題也漸漸顯露出來。沒有足夠的資金運轉(zhuǎn),私營企業(yè)遇到難題,而民間資本雄厚,正好可以解決私營企業(yè)的融資問題。于是,民間借貸快速發(fā)展,越來越受到人們的關(guān)注,隨著社會法治化進程的加快以及現(xiàn)實生活中相關(guān)案件的發(fā)生和爭議,民間借貸的法律調(diào)整問題逐漸受到學(xué)者們的高度關(guān)注。我國現(xiàn)階段關(guān)于民間借貸的法律規(guī)定散見于《民法通則》、《合同法》和一些司法解釋中,并沒有形成一個專門的體系。這些零散的法律法規(guī)有的在實際運用中凸顯出操作難和與實際情況不相符合的問題。浙江的吳英案引起社會各界的關(guān)注,對于民間借貸與非法集資之間究竟存在怎樣的關(guān)系值得我們深入研究。本文試圖對民間借貸在實際操作中出現(xiàn)的問題從法律調(diào)整方面作粗淺的探討,提出一些具體的建議。 本文一共分為三大部分,現(xiàn)對各部分的內(nèi)容簡要敘述：第一部分主要是對民間借貸基本問題的闡述,闡述了民間借貸的概念、基本特征、種類和現(xiàn)狀；第二部分主要研究我國法律對民間借貸調(diào)整的現(xiàn)狀,先總結(jié)和闡釋我國法律法規(guī)和司法解釋中關(guān)于民間借貸的相關(guān)規(guī)定,再提出我國民間借貸法律調(diào)整所遇到的問題；第三部分針對法律調(diào)整中存在的問題提出完善的對策和建議,包括形成統(tǒng)一的民間借貸法律規(guī)范；明確劃分民間借貸與非法集資的界限并堅持合法民間借貸、打擊非法集資；放松對民間借貸利率的監(jiān)管,使借貸利率市場化；完善對民間借貸法律監(jiān)管方面的建議,如完善市場準入機制、重視風(fēng)險監(jiān)控、增強信息的透明度等。
[Abstract]:Since the reform and opening up, private enterprises have played an important role in the market economy and become the pillar of the national economy. With the large-scale development of private enterprises, some problems have gradually emerged. Without enough funds, private enterprises encounter problems, and private capital is abundant, which can solve the financing problems of private enterprises. As a result, people pay more and more attention to the rapid development of private lending. With the acceleration of the process of social legalization and the occurrence and controversy of related cases in real life, the legal adjustment of private lending has been paid more and more attention by scholars. At present, the legal provisions on private lending in China are scattered in the General principles of Civil Law, contract Law and some judicial interpretations, and no special system has been formed. Some of these scattered laws and regulations highlight the problems that are difficult to operate and inconsistent with the actual situation. The Wu Ying case in Zhejiang Province has attracted the attention of all walks of life. What kind of relationship between private lending and illegal fund raising is worthy of our in-depth study. This paper attempts to make a superficial discussion on the problems of private lending in practical operation from the aspect of legal adjustment, and puts forward some concrete suggestions. This paper is divided into three parts, the content of each part is briefly described: the first part is mainly on the basic problems of private lending, elaborated the concept of private lending, basic characteristics, types and status quo; The second part mainly studies the present situation of the adjustment of private lending in the law of our country, first summarizes and explains the relevant provisions of the laws and regulations and judicial interpretation of our country on private lending, and then puts forward the problems encountered in the legal adjustment of private lending in our country. The third part puts forward some perfect countermeasures and suggestions for the problems existing in the legal adjustment, including the formation of a unified legal norms of private lending. Clearly divide the boundary between private lending and illegal fund-raising and adhere to legal private lending to crack down on illegal fund-raising; relax the supervision of private lending interest rate to make the lending rate market-oriented; improve the legal supervision of private lending and lending, such as perfecting the market access mechanism, paying attention to risk monitoring, enhancing the transparency of information, and so on.
【學(xué)位授予單位】：揚州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D923.6

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本文編號：2499012