本文選題：民間借貸　切入點：經(jīng)濟犯罪　出處：《西南政法大學》2014年碩士論文　論文類型：學位論文

【摘要】：民間借貸作為正規(guī)金融的重要補充，以其簡便、快捷、靈活的優(yōu)勢，成為民間融資的重要力量。在實體經(jīng)濟飛速發(fā)展的大背景下，受銀根緊縮政策影響，中小企業(yè)因融資渠道狹窄、銀行貸款困難，資金需求無法滿足，同時，缺少合理投資渠道的民間閑散資金四處游離，多種因素疊加導致民間借貸瘋狂蔓延。由于法律規(guī)定模糊、監(jiān)管缺位，民間借貸不可避免的具有自發(fā)性、盲目性、趨利性，高利現(xiàn)象明顯，增加了民間借貸的風險性，也滋生了各種攫取非法經(jīng)濟利益的經(jīng)濟犯罪，對經(jīng)濟和社會造成不利影響。本文以我國民間借貸中的經(jīng)濟犯罪防控為研究中心，從理論和實踐的角度，結合訪談筆錄、調查問卷和司法案例，對民間借貸的概況、發(fā)展現(xiàn)狀及其涉及的經(jīng)濟犯罪進行了較為深入的分析，，最終提出了較為合理可行的防范民間借貸經(jīng)濟犯罪的偵查對策和總體防范建議。 本文正文共分為六個部分，其主要內容如下： 第一部分為我國民間借貸概述。首先在對我國民間借貸概念界定進行文獻綜述后，筆者對民間借貸的概念進行分析。其次，闡述了民間借貸在我國盛行的原因。然后，概括了民間借貸在我國經(jīng)濟發(fā)展中的作用。最后，提出了民間借貸對我國宏觀調控、經(jīng)濟、社會的負面影響和風險。 第二部分為我國民間借貸的發(fā)展現(xiàn)狀。首先，結合現(xiàn)實發(fā)展情況，將民間借貸分為傳統(tǒng)意義上的民間借貸和P2P網(wǎng)絡借貸，并進行了大致介紹。然后結合訪談筆錄和調查問卷，總結了當前我國民間借貸的發(fā)展現(xiàn)狀及特點。 第三部分為我國民間借貸中經(jīng)濟犯罪的特點與成因。首先對民間借貸中經(jīng)濟犯罪研究進行文獻綜述，其次結合司法判例總結出我國民間借貸中經(jīng)濟犯罪的規(guī)律、特點，最后從社會體制和個體層面分析了民間借貸中經(jīng)濟犯罪的發(fā)生原因，為提出有針對性的有效的對策建議奠定基礎。 第四部分為民間借貸中經(jīng)濟犯罪的域外防控經(jīng)驗。通過總結美國龐氏騙局的特征、潛在投資者應采取的措施和加勒比海地區(qū)投資欺詐的政策經(jīng)驗教訓，期望對我國防范民間借貸經(jīng)濟犯罪有一定借鑒意義。 第五部分為我國民間借貸中經(jīng)濟犯罪的偵查對策，這是本文的重點內容。筆者從偵查過程入手，分別從加強信息情報工作，詢問受害人、知情人，搜查、扣押、凍結贓款贓物，全力追贓，控制、訊問犯罪嫌疑人，收集、固定犯罪證據(jù)，專案偵查與專項行動相結合，加強各部門協(xié)調配合與聯(lián)動，維穩(wěn)處置提出了針對民間借貸中經(jīng)濟犯罪的可行性偵查對策。 第六部分為我國民間借貸中經(jīng)濟犯罪的防范對策，也是本文的重點內容。筆者從完善相關立法、加強監(jiān)管監(jiān)測、加大政策引導、建立健全社會信用體系、深化金融體制改革、開放多元化投資渠道、利率市場化、加強宣傳教育、樹立正確投資觀念、行業(yè)自律和企業(yè)內部管理方面提出了有效的對策。
[Abstract]:As an important supplement to formal finance, private lending has become an important force in private financing with its advantages of simplicity, quickness and flexibility. Under the background of the rapid development of the real economy, it is affected by tight monetary policies. Small and medium-sized enterprises have narrow financing channels, bank loans are difficult, and capital needs cannot be met. At the same time, private idle funds, which lack reasonable investment channels, drift around, and various factors add up to cause the spread of folk borrowing and borrowing crazily. Because the laws and regulations are vague, In the absence of supervision, private lending is inevitably spontaneous, blind, profit-oriented, and the phenomenon of high profits is obvious, which increases the risk of private lending and breeds various economic crimes that grab illegal economic benefits. This paper focuses on the prevention and control of economic crime in private lending in China. From the perspective of theory and practice, combined with interview notes, questionnaires and judicial cases, this paper gives an overview of private lending. The present situation of development and the economic crimes involved are analyzed in depth, and finally, some reasonable and feasible investigation countermeasures and general preventive suggestions are put forward. This text is divided into six parts, the main contents are as follows:. The first part is an overview of the folk lending in China. Firstly, after the literature review on the definition of the concept of private lending in China, the author analyzes the concept of private lending. Secondly, it explains the reasons why folk lending is prevalent in China. Finally, the negative effects and risks of folk lending on China's macro-control, economy and society are put forward. The second part is the current situation of private lending in China. First of all, combining with the actual situation, folk lending is divided into traditional folk lending and P2P network lending, and is introduced roughly. Then, combined with interview notes and questionnaire, This paper summarizes the current situation and characteristics of private lending in China. The third part is the characteristics and causes of the economic crime in the folk lending in China. Firstly, it summarizes the literature on the economic crime in the folk lending, and then summarizes the law and characteristics of the economic crime in the folk lending in our country combined with the judicial precedent. Finally, the author analyzes the causes of economic crime in private lending from the social system and individual level, and lays a foundation for effective countermeasures and suggestions. The 4th part is the experience of economic crime prevention and control in private lending. By summing up the characteristics of the Ponzi scheme in the United States, the measures to be taken by potential investors and the policy experience and lessons of investment fraud in the Caribbean are summarized. It is expected to be useful for our country to prevent the economic crime of folk loan. The 5th part is the investigation countermeasure of the economic crime in the folk loan of our country, this is the key content of this article. The author starts with the investigation process, separately from strengthening the information intelligence work, inquiring the victim, the informant, the search, the seizure, Freezing stolen money and stolen goods, fully pursuing, controlling, interrogating criminal suspects, collecting and fixing criminal evidence, combining ad hoc investigations with special actions, and strengthening coordination, coordination and linkage among various departments, The author puts forward the feasible investigation countermeasures against the economic crime in folk lending. The 6th part is also the key content of this paper, which is also the key content of this paper. The author of this paper, from perfecting relevant legislation, strengthening supervision and monitoring, strengthening policy guidance, establishing and perfecting social credit system, deepening the reform of financial system, This paper puts forward some effective countermeasures for opening up diversified investment channels, marketization of interest rate, strengthening propaganda and education, setting up correct investment concept, self-discipline of industry and internal management of enterprises.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.28;D923;D924.3

【參考文獻】

相關期刊論文 前10條

1 黃家驊,謝瑞巧;臺灣民間金融的發(fā)展與演變[J];財貿經(jīng)濟;2003年03期

2 李有星;張傳業(yè);;民間融資的類型及其法律特性[J];法制與經(jīng)濟(中旬刊);2011年08期

3 趙勇;;中國民間借貸風險研究——風險表現(xiàn)、成因剖析與對策建議[J];南方金融;2012年02期

4 李世新;張耀謀;李力;鄭才林;;我國當前民間借貸成因、問題與對策[J];區(qū)域金融研究;2009年05期

5 董偉;;社科院發(fā)布2012社會藍皮書指出:民間借貸潛在風險巨大[J];法制與經(jīng)濟(上旬);2012年02期

6 劉新朝;吳映輝;何曉燕;曾為中;;民間借貸違法犯罪的法律適用[J];法制與社會;2012年27期

7 李璐;嚴海杰;;民間借貸異化為非法吸收公眾存款犯罪的成因分析——以鄂爾多斯市為例[J];東方企業(yè)文化;2013年13期

8 張永萍;;民間借貸引發(fā)犯罪問題淺析[J];法制與社會;2012年13期

9 孫利國;;非法集資犯罪小樣本實證分析——以相關案件為依據(jù)[J];北京政法職業(yè)學院學報;2013年03期

10 楊鵬;;民間借貸的風險及防范[J];甘肅金融;2012年02期

本文編號：1613964