【摘要】：民間借貸一直以來是中國社會重要的經(jīng)濟現(xiàn)象。在經(jīng)濟較為低迷,企業(yè)面臨資金短缺、融資難的背景下,近幾年民間借貸發(fā)展迅速,規(guī)模不斷擴大。在民間借貸中,保證是最為常見的擔(dān)保方式,保證對民間借貸的建立和債務(wù)償還都具有重要作用,其在一定程度上促進了民間借貸的發(fā)展。但在民間借貸發(fā)展的過程中,保證的問題和弊端也逐漸暴露出來。本文選擇分析民間借貸中保證存在的法律問題,并提出相應(yīng)的法律對策,進而規(guī)范保證行為,減少糾紛的發(fā)生,促進民間金融健康發(fā)展。全文分為三個部分：第一部分：民間借貸中保證的現(xiàn)狀及作用。分析了民間借貸以及民間借貸中保證的現(xiàn)狀,民間借貸案件數(shù)量和民間借貸的標(biāo)的額增長迅速,其用途由消費性轉(zhuǎn)化為生產(chǎn)經(jīng)營性。民間借貸案件中涉及保證的占其總數(shù)的四分之一,保證的主體也逐漸復(fù)雜化。關(guān)于保證在民間借貸中的作用主要從三個方面進行了闡述：保證對民間借貸建立、債務(wù)清償?shù)淖饔靡约氨ＷC人對借貸金額及利率的影響。第二部分：民間借貸中保證存在的問題。從保證自身、保證人、保證合同、訴訟情況四個方面對民間借貸中保證存在的問題進行分析,其中關(guān)于保證人的問題和保證合同是本文的重點內(nèi)容。第三部分：解決民間借貸中保證問題的對策。首先針對規(guī)范保證人問題提出明確保證人的資格及訴訟地位,并正確區(qū)分保證人和中間人。其次提出規(guī)范保證合同,建立保證合同公證制度。再次建立專業(yè)擔(dān)保公司制度。最后提出推行新類型擔(dān)保的對策。
[Abstract]:Private lending has been an important economic phenomenon in Chinese society. In the background of a relatively low economy and the shortage of funds and difficult financing, private lending has been developing rapidly and expanding in recent years. In private lending, the guarantee is the most common guarantee, and it is important for the establishment of private lending and the repayment of debt. It has promoted the development of private lending to a certain extent. But in the process of the development of private lending, the problems and disadvantages of the guarantee are gradually exposed. This article chooses to analyze the legal problems that guarantee the existence of private lending and puts forward the corresponding legal countermeasures to standardize the behavior, reduce the occurrence of disputes and promote the folk finance. The full text is divided into three parts: the first part: the status and role of the guarantee in private lending. The status of the guarantee in private lending and private lending is analyzed. The number of cases of private lending and the rapid growth of the standard amount of private lending are rapidly transformed from consumption to production management. Accounting for 1/4 of the total, the main body of guarantee is also gradually mixed. The role of guarantee in private lending is mainly expounded in three aspects: to guarantee the establishment of private lending, the role of debt payment and the influence of the guarantor on the amount of borrowing and interest rate. The second part: the problems that guarantee the existence of private lending. Self, the guarantor, the guarantee of the contract, the case of litigation four aspects of the existing problems to ensure the existence of private lending analysis, among them the problem of the guarantor and the guarantee of the contract is the key content of this article. The third part: to solve the problem of private lending to guarantee the problem. First of all, put forward a clear guarantee of the qualification of the standard guarantor problem. And the position of the lawsuit, and correctly distinguish between the guarantor and the middleman. Secondly, it puts forward the standard guarantee contract, establishes the guarantee contract notarization system, and establishes the professional Guarantee corporation system again. Finally, it puts forward the countermeasures to carry out the new type of guarantee.
【學(xué)位授予單位】：山西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D923

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本文編號：2126214