本文選題：小微企業(yè)　切入點：民間借貸　出處：《煙臺大學》2016年碩士論文

【摘要】：改革開放以來,小微企業(yè)成為推動市場經(jīng)濟高速增長的重要力量。然而,由于小微企業(yè)缺乏實力和擔保,難以從正規(guī)金融機構獲得資金支持,而不得不轉向民間借貸領域。在民間借貸為小微企業(yè)融資提供便利的同時,不應忽視它所帶來的法律風險。理清基本理論是解決問題的起點,對小微企業(yè)與民間借貸的概念、現(xiàn)狀、特征等方面的界定是必須首先考慮的問題。在分析相關理論的基礎上,結合當下金融體制的立法現(xiàn)狀,從法律層面對小微企業(yè)與民間借貸存在問題進行剖析:公法層面界限不清、尚未制定專門立法、監(jiān)管主體與監(jiān)管制度嚴重缺位、服務機構體系和信用擔保法律制度不健全。為了尋找應對之策,以域外的美國和日本為例,分別介紹兩國的立法體系、機構設置、征信體系等相關內(nèi)容,在此基礎上總結其對我國相關制度的啟示。為了構建和完善我國小微企業(yè)民間借貸法律制度體系,提出幾點可行性建議:首先在公法層面明確民間借貸與非法集資罪的界限;其次,進一步構建相關法律制度的規(guī)范體系,確立基本原則、制定專門規(guī)范、修改和細化現(xiàn)有法律法規(guī);同時,完善小微企業(yè)民間借貸融資服務機構與服務制度;再次,建立科學多元的小微企業(yè)民間借貸監(jiān)管體系;最后,加快信用征信體系建設,完善小微企業(yè)民間借貸信用擔保體系。
[Abstract]:Since the reform and opening up, Small and micro businesses has become an important force to promote the rapid growth of market economy. However, due to Small and micro businesses lack of strength and security, is difficult to obtain financial support from formal financial institutions, and had to turn to the field of private lending. In private lending for Small and micro businesses provide financing convenience at the same time, it should not ignore the legal risk the starting point is to sort out the basic theory. To solve the problem, for small and micro enterprises and the concept, the status of private lending, defining characteristics and other aspects is the problem which must be considered. Based on the analysis on the related theories, combined with the current status of the legislation of the financial system, the legal aspects of Small and micro businesses and private lending exists analyze the question: public law is unclear, has not set up special legislation, supervision and supervision system lack of legal system, service system and credit guarantee is not perfect. The search for countermeasures, in order to outside of the United States and Japan as examples, introduces the legislative system, the two institutions, credit system and other related content, on the basis of summarizing the enlightenment to our system. In order to construct and perfect our legal system of private lending to small and micro enterprise system, puts forward some feasible suggestions. In the first level of clear boundary between public law private lending and crime of illegal fund-raising; secondly, normative system further constructing the relevant legal system, establishing the basic principles, formulate special specification, revision and refinement of the existing laws and regulations; at the same time, improve the Small and micro businesses of private lending and financing services and service system; thirdly, establish scientific and diversified small and micro enterprise private lending regulatory system; finally, accelerate the construction of credit system, perfect Small and micro businesses private lending credit guarantee system.

【學位授予單位】：煙臺大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：D922.282

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本文編號：1681225