本文關(guān)鍵詞： 農(nóng)村金融 民間借貸 信息不對(duì)稱 制度激勵(lì)　出處：《南昌大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：作為一種古老的信用形式,民間借貸在相當(dāng)長(zhǎng)的一段時(shí)間內(nèi)都保有鮮活的生命力。近年來,隨著我國社會(huì)主義市場(chǎng)經(jīng)濟(jì)的深入發(fā)展,資金供需矛盾不斷突出,單一的正規(guī)金融借貸已不能滿足借貸市場(chǎng)的需求。在這一大背景下,民間借貸逐漸呈現(xiàn)繁榮景象,而其在廣大的農(nóng)村地區(qū)表現(xiàn)尤甚�？傮w而言,農(nóng)村金融借貸在很大程度上推動(dòng)了農(nóng)村資金的流動(dòng),活躍了農(nóng)村金融市場(chǎng),保障了農(nóng)戶與鄉(xiāng)鎮(zhèn)企業(yè)的生存與生產(chǎn),對(duì)我國農(nóng)村經(jīng)濟(jì)起到了極大的促進(jìn)作用。然而,農(nóng)村金融借貸自發(fā)性、盲目性以及相關(guān)主體的不對(duì)等性引發(fā)了農(nóng)村金融借貸市場(chǎng)的信息不對(duì)稱現(xiàn)象,這一現(xiàn)象的出現(xiàn)又進(jìn)一步加劇了農(nóng)村金融借貸市場(chǎng)自身諸如利息率過高、缺乏有效監(jiān)管等問題,使得農(nóng)村金融市場(chǎng)趨于混亂。本文著眼于我國農(nóng)村金融借貸的實(shí)際,結(jié)合經(jīng)濟(jì)學(xué)領(lǐng)域的信息不對(duì)稱理論,參考相關(guān)國家的立法實(shí)踐,旨在探索出符合我國國情的法律規(guī)制體系以應(yīng)對(duì)我國農(nóng)村金融借貸的信息不對(duì)稱問題�？傮w而論,本文由兩條主線、三大模塊、五個(gè)章節(jié)組成。首先在第一章引言中明確本文的選題背景與研究目的,簡(jiǎn)述本文所使用的研究方法,并對(duì)國內(nèi)外學(xué)界的研究現(xiàn)狀作簡(jiǎn)要評(píng)析。第二章為基礎(chǔ)理論部分,闡述和分析信息不對(duì)稱理論與農(nóng)村金融借貸理論,簡(jiǎn)單論述兩者概念并結(jié)合相關(guān)理論討論兩者之間存在的關(guān)系,為下文打下理論基礎(chǔ)。第三章著重論述我國農(nóng)村金融借貸業(yè)的發(fā)展及其法律規(guī)制的沿革。本章以時(shí)間為軸,分別就新中國成立至1978年,改革開放至九十年代末,新千年以來三個(gè)時(shí)間段我國農(nóng)村金融借貸業(yè)的發(fā)展作論述評(píng)析,并以此為切入點(diǎn)討論我國農(nóng)村金融借貸業(yè)發(fā)展中所面臨的信息不對(duì)稱問題。本章末尾就我國當(dāng)前對(duì)于農(nóng)村借貸信息不對(duì)稱法律規(guī)制方面存在的問題進(jìn)行闡述。第四章將視角對(duì)準(zhǔn)國外實(shí)踐,結(jié)合第二章中我國農(nóng)村金融借貸信息不對(duì)稱法律規(guī)制存在的問題,有針對(duì)性地介紹相關(guān)典型國家的立法實(shí)踐。并對(duì)這些立法實(shí)踐進(jìn)行比較分析,初步提取經(jīng)驗(yàn)。第五章是本文的重點(diǎn)章節(jié)。本章就我國當(dāng)前農(nóng)村金融借貸面臨的信息不對(duì)稱問題提出立法建議。首先從立法理念入手,提出應(yīng)以建立激勵(lì)型法律規(guī)制為原則。之后則分別以民商法與經(jīng)濟(jì)法為視角進(jìn)行具體措施的分析。
[Abstract]:As an ancient form of credit, private lending has maintained fresh vitality for quite a long time. In recent years, with the further development of our socialist market economy, the contradiction between supply and demand of funds has become increasingly prominent. A single formal financial lending cannot meet the needs of the lending market. Against this background, private lending is gradually showing a boom, especially in the vast rural areas. Rural financial lending promotes the flow of rural funds to a great extent, enlivens the rural financial market, ensures the survival and production of farmers and township enterprises, and plays a great role in promoting the rural economy of our country. The spontaneity of rural financial lending, blindness and the non-equivalence of related subjects lead to the phenomenon of information asymmetry in rural financial lending market, which has further aggravated the rural financial lending market itself such as high interest rate. The lack of effective supervision makes the rural financial market tend to be confused. This paper focuses on the reality of rural financial lending in China, combines the theory of information asymmetry in the field of economics, and refers to the legislative practice of relevant countries. The purpose of this paper is to explore a legal regulation system in accordance with the national conditions of our country to deal with the problem of information asymmetry in rural financial lending in China. Generally speaking, this paper consists of two main lines, three major modules, First of all, in the introduction of the first chapter, the background and research purpose of this paper are clearly defined, and the research methods used in this paper are briefly described, and the current research situation of domestic and foreign academic circles is briefly evaluated. The second chapter is the basic theory part. This paper expounds and analyzes the information asymmetry theory and the rural financial lending theory, discusses the concepts of the two theories and discusses the relationship between the two theories. The third chapter focuses on the development of China's rural financial lending industry and the evolution of its legal regulation. This chapter takes the time axis, respectively, from the founding of New China to 1978, from the reform and opening up to the end of 90s. The development of China's rural financial lending industry in three periods since the new millennium is discussed and analyzed. At the end of this chapter, the problems existing in the legal regulation of the asymmetry of rural lending information in our country are discussed at the end of this chapter. Chapter four focuses on foreign practice, Combined with the problems in the legal regulation of asymmetric rural financial lending information in the second chapter, this paper introduces the legislative practices of some typical countries, and makes a comparative analysis of these legislative practices. Chapter 5th is the key chapter of this paper. This chapter puts forward some legislative suggestions on the problem of information asymmetry faced by rural financial lending in China. First of all, it starts with the concept of legislation. The author puts forward the principle of establishing incentive legal regulation, and then analyzes the concrete measures from the perspective of civil and commercial law and economic law respectively.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.28;D923

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