本文選題：民間融資　切入點(diǎn)：風(fēng)險(xiǎn)　出處：《山東大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以來(lái),隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,社會(huì)財(cái)富的增加,民間融資隨之日趨活躍。作為資金、資源的一種有效配置手段,民間融資在補(bǔ)充銀行資金不足、合理配置資源、滿足中小企業(yè)及“三農(nóng)”等市場(chǎng)主體的融資需求方面發(fā)揮了積極作用,促進(jìn)了經(jīng)濟(jì)的繁榮。但是,隨著我國(guó)一些地區(qū)因資金鏈斷裂而引發(fā)的危機(jī)陸續(xù)浮出水面,人們關(guān)于“民間融資是一把雙刃劍”的擔(dān)憂正日益變成現(xiàn)實(shí)。近年來(lái),我國(guó)溫州、鄂爾多斯等熱點(diǎn)地區(qū)相繼因資金鏈斷裂發(fā)生民間融資危機(jī),很多企業(yè)主、以民間融資為業(yè)的客商負(fù)債累累,選擇跑路；不少企業(yè)資不抵債,紛紛倒閉；大量將其多年積蓄投入民間融資市場(chǎng),意圖謀求高額利潤(rùn)的人更是血本無(wú)歸。風(fēng)險(xiǎn)之大,可謂觸目驚心,影響之廣,更是舉國(guó)關(guān)注,危害之深,已經(jīng)威脅我國(guó)金融體系的安全,對(duì)我國(guó)經(jīng)濟(jì)的健康發(fā)展及社會(huì)的和諧穩(wěn)定造成較大負(fù)面影響,甚至在當(dāng)前全球經(jīng)濟(jì)不景氣的大環(huán)境下,給世界經(jīng)濟(jì)的復(fù)蘇前景蒙上一層陰影。 逐利是民間融資的本性,風(fēng)險(xiǎn)與民間融資與生俱來(lái)、終生相隨。無(wú)論在世界哪個(gè)國(guó)家、哪個(gè)地區(qū),民間融資都存在風(fēng)險(xiǎn)。民間融資的風(fēng)險(xiǎn)在我國(guó)的彰顯尤甚,其原因多方面的,如我國(guó)產(chǎn)業(yè)結(jié)構(gòu)不合理、經(jīng)濟(jì)發(fā)展方式落后、虛擬經(jīng)濟(jì)過(guò)度膨脹、宏觀經(jīng)濟(jì)形勢(shì)不佳等,但金融體系不完善、制度規(guī)范不健全、監(jiān)管措施不到位是釀成民間融資風(fēng)險(xiǎn)過(guò)大的主要原因。 防范、化解民間融資的風(fēng)險(xiǎn),當(dāng)務(wù)之急是從制度上加強(qiáng)對(duì)其引導(dǎo)和規(guī)范。我國(guó)一些法律法規(guī)對(duì)民間融資雖有所涉及,但很不系統(tǒng)、不完善,散見于《合同法》、《擔(dān)保法》、《刑法》、《民法通則》等法律及國(guó)務(wù)院頒布的部分行政法規(guī)、最高人民法院頒布的部分司法解釋中。民間融資行為缺乏專門的監(jiān)管主體,對(duì)民間融資蘊(yùn)含的風(fēng)險(xiǎn)缺乏相應(yīng)的預(yù)判、應(yīng)對(duì)機(jī)制,在風(fēng)險(xiǎn)發(fā)生后也無(wú)應(yīng)急處置機(jī)制,幾乎處于放任自流狀態(tài)。制度的缺失、法律的不健全,導(dǎo)致我國(guó)對(duì)民間融資的風(fēng)險(xiǎn)缺乏有力的預(yù)判和控制,一旦危機(jī)形成,民間融資釀成的后果猶如脫韁的野馬,難以收拾。 基于上述問(wèn)題,研究“我國(guó)民間融資風(fēng)險(xiǎn)的制度規(guī)制”這一課題,在當(dāng)下顯得是尤為必要和迫切。同時(shí),對(duì)于推進(jìn)我國(guó)金融體制改革,完善金融體系,促進(jìn)金融市場(chǎng)的良性運(yùn)行,維護(hù)金融安全,保障經(jīng)濟(jì)健康運(yùn)行,均有重要意義。
[Abstract]:Since the reform and opening up, with the rapid development of our economy and the increase of social wealth, private financing has become more and more active. As an effective means of allocating funds and resources, private financing is used to supplement the shortage of bank funds and allocate resources reasonably. Meeting the financing needs of small and medium-sized enterprises and market entities such as agriculture, rural areas and farmers has played an active role in promoting the prosperity of the economy. However, with the emergence of crises caused by the breakage of the capital chain in some areas of our country, People's concern that "private financing is a double-edged sword" is increasingly becoming a reality. In recent years, in Wenzhou, Ordos and other hot areas in China, private financing crises have occurred one after another because of the breakage of the capital chain. Many business owners, Businessmen in the private financing industry are heavily in debt and choose to run the road; many enterprises are insolvent and close down one after another; a large number of people who have invested their savings in the private financing market for many years are even more desperate for high profits. The risks are great. It can be described as shocking and far-reaching, and it is of great concern and harm to the whole country. It has threatened the security of our financial system and has had a great negative impact on the healthy development of our economy and the harmony and stability of our society. Even in the current global economic downturn, the prospects for the recovery of the world economy cast a shadow. Profit-driven is the nature of private financing. Risk and private financing are inherent and lifelong. No matter in any country or region of the world, there are risks in private financing. The risks of private financing are especially evident in our country. There are many reasons, such as unreasonable industrial structure, backward economic development mode, excessive expansion of virtual economy and poor macroeconomic situation, but the financial system is not perfect and the system is not perfect. Regulatory measures are not in place is the main cause of excessive private financing risk. In order to prevent and resolve the risks of private financing, it is imperative to strengthen the guidance and standardization of the private financing systemically. Although some laws and regulations of our country have something to do with private financing, it is far from systematic and imperfect. Scattered in "contract Law", "guarantee Law", "Criminal Law", "General principles of Civil Law" and some administrative regulations promulgated by the State Council, and some judicial interpretations promulgated by the Supreme people's Court. The risk contained in private financing is lack of corresponding pre-judgment and coping mechanism, and there is no emergency mechanism after the occurrence of the risk, which is almost in a state of laissez-faire, the absence of system, the imperfection of the law, As a result, the risk of private financing in our country is short of strong pre-judgment and control. Once the crisis is formed, the consequences of private financing are like runaway Mustang, which is difficult to clean up. Based on the above problems, it is necessary and urgent to study the subject of "Institutional Regulation of Private financing risk in China". At the same time, it is necessary and urgent to promote the reform of China's financial system and improve the financial system. It is of great significance to promote the healthy operation of the financial market, to maintain the financial security and to ensure the healthy operation of the economy.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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