本文關(guān)鍵詞： 民間借貸 風(fēng)險(xiǎn)規(guī)制 合法地位 擔(dān)保體系　出處：《廣東外語外貿(mào)大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：民間借貸不可否認(rèn)對(duì)我國經(jīng)濟(jì)發(fā)展起到了不可忽視的作用,特別是在解決中小企業(yè)融資難、農(nóng)戶生產(chǎn)生活所需資金、個(gè)體戶資金周轉(zhuǎn)等問題方面起到了重要的作用。由于我國并沒有在法律制度層面賦予民間借貸合法的地位,民間借貸一直處于合法與非法的爭議中。民間借貸作為自發(fā)性的市場活動(dòng),民間借貸活動(dòng)主體性質(zhì)本身蘊(yùn)含著信用風(fēng)險(xiǎn),民間借貸機(jī)構(gòu)不合理的經(jīng)營模式容易引發(fā)經(jīng)營風(fēng)險(xiǎn),加上我國對(duì)民間借貸的監(jiān)管存在諸多問題,讓民間借貸的風(fēng)險(xiǎn)暴露無遺。如何對(duì)民間借貸風(fēng)險(xiǎn)進(jìn)行法律層面的規(guī)制讓其發(fā)揮積極作用就十分必要。本文共四個(gè)部分。第一部分主要是寫民間借貸風(fēng)險(xiǎn)類型及其成因分析,從對(duì)民間借貸的概念特點(diǎn)及存在形式入手,比較了中外學(xué)者對(duì)民間借貸的定義。筆者選擇具有典型分析意義的珠三角作為研究視角,對(duì)珠三角進(jìn)入司法程序的民間借貸糾紛案件150份判決書進(jìn)行分析折射出我國民間借貸具有的特點(diǎn)。除此之外,對(duì)我國民間借貸具體的存在形式進(jìn)行闡述,分別包括:直接借貸、合會(huì)、典當(dāng)行、地下錢莊、小額貸款公司、私募基金等。著重分析了我國民間借貸具有哪些風(fēng)險(xiǎn),主要包括地位模糊引發(fā)的民間借貸行為無效或者部分無效的風(fēng)險(xiǎn)、主體特征引發(fā)的違約風(fēng)險(xiǎn)、與刑法上規(guī)定的非法集資行為沒有清晰界限引發(fā)兩者之間進(jìn)行轉(zhuǎn)化的風(fēng)險(xiǎn),以及因區(qū)域性特點(diǎn)和資金來源引發(fā)的系統(tǒng)性風(fēng)險(xiǎn),以及引起風(fēng)險(xiǎn)存在的原因進(jìn)行分析。第二部分主要寫我國對(duì)民間借貸風(fēng)險(xiǎn)規(guī)制的立法現(xiàn)狀以及分析了其存在的缺陷。分析我國現(xiàn)有法律在對(duì)民間借貸的法律地位的規(guī)定、民間借貸監(jiān)管方面的法律規(guī)定、民間借貸市場準(zhǔn)入方面的法律規(guī)定,并評(píng)價(jià)我國法律法規(guī)對(duì)民間借貸規(guī)制存在的缺陷。第三部分主要寫域外民間借貸風(fēng)險(xiǎn)規(guī)制的經(jīng)驗(yàn)以及對(duì)域外做法的評(píng)價(jià)。分析了日本、美國、中國香港地區(qū)對(duì)民間借貸在監(jiān)管機(jī)構(gòu)設(shè)置方面、立法上、市場準(zhǔn)入方面、利率控制方面的做法,得出域外民間借貸具有完善的民間借貸風(fēng)險(xiǎn)監(jiān)管主體制度、合理的民間借貸市場準(zhǔn)入制度以及完備的民間借貸擔(dān)保體系等特點(diǎn)。第四部門主要是完善我國民間借貸風(fēng)險(xiǎn)法律規(guī)制的設(shè)想,是本文的重點(diǎn)部分,包括肯定民間借貸的合法地位,包括從立法層面設(shè)立民間借貸的準(zhǔn)入條件;建立多層次的民間借貸風(fēng)險(xiǎn)監(jiān)管制度,主要是協(xié)調(diào)各主管部門的工作以及建立行業(yè)自律性的監(jiān)管模式;界定與刑法上非法集資行為的界限以及建立中小企業(yè)信用擔(dān)保體系等。
[Abstract]:Private lending can not be denied a role not to be ignored in China's economic development, especially in solving the financing difficulties of SMEs, farmers' production and living needs capital, liquidity and other aspects the self-employed problem has played an important role. Because our country is not in the legal system level to private lending legal status, private lending has been in legal and illegal private lending disputes. As a spontaneous market activities, private lending activities of the main nature itself contains the credit risk, private lending institutions unreasonable management mode easily lead to operational risks, and supervision of private lending in our country there are many problems, so that private lending risk completely unmasked how to carry on the legal level. The regulation of private lending risk and let it play a positive role is necessary. A total of four parts in this thesis. The first part is mainly about folk loan Analysis of the types and the causes of risk, and starting from the form features of the concept of private lending, private lending between Chinese and foreign scholars on the definition. The author has selected the typical analysis of the significance of the Pearl River Delta as a research perspective, borrowing the Pearl River Delta into the judicial process dispute cases 150 judgments analysis reflects the characteristics of our country private lending has. In addition, China's private lending to specific forms are described, including: direct lending, cooperation, pawn shops, underground banks, small loan companies, private equity funds are analyzed. What is China's private lending risk, including private lending behavior caused by the fuzzy position invalid or partially invalid risk, default risk caused by the characteristics of the main body, no clear boundaries with the provisions of the criminal law on illegal fund-raising behavior caused in transformation between the two wind Insurance, as well as caused by the regional characteristics and sources of systemic risk, and the causes of risk analysis. The second part is mainly about the status quo of China's legislation of private lending risk regulation and analyzes their shortcomings. The analysis of the present provisions of the law on the legal status of private lending, law the provisions of private lending regulatory laws and regulations, private lending market access, and evaluate the defects of China's laws and regulations exist on the regulation of private lending. The third part is about the extraterritorial experience in private lending risk regulation and evaluation of extraterritorial practice. Analysis of the United States, Japan, Hongkong area China of private lending is set up, in the regulatory legislation, market access, interest rate control approach, the foreign private lending has perfect folk credit risk supervision system, reasonable The characteristics of the private lending market access system and complete the private lending guarantee system. The fourth part is the perfection of legal regulation of China's private lending risk, is the key part of this paper, including confirm the legal status of private lending, including from the legislative level, the establishment of private lending access conditions; the establishment of a multi-level private lending risk supervision the system is mainly the coordination of various departments in charge of the work and the establishment of self-discipline and supervision mode; definition and criminal behavior of illegal fund-raising boundaries and the establishment of SME credit guarantee system.

【學(xué)位授予單位】：廣東外語外貿(mào)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28;D923.6

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