本文關(guān)鍵詞：促進(jìn)農(nóng)村消費(fèi)信貸背景下農(nóng)戶征信法律制度研究　出處：《西南政法大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：我國農(nóng)村有著廣闊的消費(fèi)市場，若能有效挖掘農(nóng)村消費(fèi)信貸市場，不但可以滿足農(nóng)村消費(fèi)市場的需求以擴(kuò)大內(nèi)需，也可以有效地帶動農(nóng)村經(jīng)濟(jì)的發(fā)展，增加農(nóng)村的居民收入。近年來，為了促進(jìn)農(nóng)村消費(fèi)信貸的發(fā)展，我國政府和銀行都積極采取了各方面的措施。但是，由于沒有完備的農(nóng)戶信用征信法律制度作為保障，我國的農(nóng)村消費(fèi)信貸發(fā)展仍然極為緩慢。黨的十八大也提出，要兼顧城鄉(xiāng)的發(fā)展，加強(qiáng)農(nóng)村全面改革，推動社會主義新農(nóng)村建設(shè)，推動農(nóng)村金融體制的創(chuàng)新與改革。在社會主義新農(nóng)村建設(shè)的過程中，我們需要解放思想，創(chuàng)新務(wù)實(shí)，進(jìn)一步推動新時(shí)期農(nóng)村信用體系的建設(shè)工作，創(chuàng)造良好的農(nóng)村信用環(huán)境，，從而更好地服務(wù)于社會主義新農(nóng)村建設(shè)。其中，農(nóng)戶征信則是農(nóng)村信用體系建設(shè)工作中的一個(gè)重要環(huán)節(jié)。經(jīng)過長時(shí)間的籌備，國務(wù)院最終于2012年12月26日出臺了《征信業(yè)管理?xiàng)l例》，這對于我國征信業(yè)的發(fā)展而言意義非凡，但是由于農(nóng)戶信用本身存在特殊性，農(nóng)戶信用征信法律制度在其設(shè)置體系、基本內(nèi)容、征信機(jī)構(gòu)和基本原則等方面都與其他征信法律制度有所不同。2013年實(shí)施的《農(nóng)戶貸款管理辦法》也提出要加強(qiáng)農(nóng)戶貸款風(fēng)險(xiǎn)管控，對貸款農(nóng)戶實(shí)施盡職調(diào)查，這對農(nóng)戶征信法律制度提出了更高要求。因此，有必要對農(nóng)戶信用征信法律制度在發(fā)展農(nóng)村消費(fèi)信貸的背景下進(jìn)行深入研究。 本文的寫作思路是：首先介紹農(nóng)戶信用征信制度的基本概念及其立法原則；然后分析當(dāng)前我國農(nóng)戶信用征信法律制度的現(xiàn)狀及其存在的問題；其次再通過對國外信用征信立法實(shí)踐的考察，得出一些有助于完善我國農(nóng)戶信用征信法律制度的思路和經(jīng)驗(yàn)；最終提出完善我國農(nóng)戶信用征信制度的具體建議。 正文除引言與結(jié)語外，具體分成了四個(gè)部分： 第一部分主要介紹了農(nóng)戶信用征信的相關(guān)概念，提出完善農(nóng)戶信用征信法律制度對促進(jìn)農(nóng)村消費(fèi)信貸的重要意義，并提出完善我國農(nóng)戶信用征信法律制度應(yīng)當(dāng)遵循的原則，為我國農(nóng)戶信用征信法律制度的建設(shè)提供方向性、原則性的要求，同時(shí)考察了我國農(nóng)村消費(fèi)信貸相關(guān)農(nóng)戶征信的實(shí)踐現(xiàn)狀。 第二部分重點(diǎn)歸納我國現(xiàn)有法律文件中關(guān)于農(nóng)戶信用征信的具體規(guī)定，并以此為基礎(chǔ)分析當(dāng)前我國促進(jìn)農(nóng)村消費(fèi)信貸背景下農(nóng)戶信用征信法律制度存在的問題與不足，從而確定我國完善農(nóng)戶信用征信法律制度的“突破口”。 第三部分主要考察國外為促進(jìn)消費(fèi)信貸而采用的信用征信立法模式，并提煉其制度內(nèi)核，得出一些有助于完善我國農(nóng)戶信用征信制度的經(jīng)驗(yàn)和思路。 第四部分則是在第二部分和第三部分的基礎(chǔ)上，從農(nóng)戶征信主體、農(nóng)戶征信行為及農(nóng)戶征信責(zé)任三方面提出在促進(jìn)農(nóng)村消費(fèi)信貸的背景之下完善我國農(nóng)戶信用征信制度的具體建議。
[Abstract]:China's rural areas have a broad consumer market, if we can effectively tap the rural consumer credit market, not only can meet the demand of rural consumer market to expand domestic demand, but also can effectively promote the development of rural economy. In recent years, in order to promote the development of rural consumer credit, our government and banks have taken various measures. Due to the lack of a complete legal system of peasant household credit as a guarantee, the development of rural consumer credit in China is still very slow. The 18 Party Congress also proposed that consideration should be given to the development of urban and rural areas to strengthen the overall reform of rural areas. To promote the construction of new socialist countryside and to promote the innovation and reform of the rural financial system, we need to emancipate our minds and innovate and be pragmatic in the process of building a new socialist countryside. Further promote the construction of rural credit system in the new period, create a good rural credit environment, so as to better serve the new socialist rural construction. Farmers' credit information is an important link in the construction of rural credit system. After a long time of preparation, the State Council finally issued the "Credit Industry Management regulations" in December 26th 2012. This is of great significance to the development of credit information industry in our country, but because of the particularity of peasant household credit itself, the legal system of peasant household credit information is set up in its system, basic content. Credit agencies and basic principles are different from other credit investigation legal system. In 2013, the measures of Farmer loan Management also proposed to strengthen the risk control of farmers' loans. The implementation of due diligence on the loan farmers puts forward higher requirements for the legal system of peasant household credit reporting. Therefore, it is necessary to further study the legal system of peasant household credit information under the background of the development of rural consumer credit. The main ideas of this paper are as follows: firstly, it introduces the basic concept and legislative principles of peasant household credit system; Then it analyzes the current situation and existing problems of the credit investigation legal system of peasant households in our country. Secondly, through the investigation of the foreign credit legislation practice, some ideas and experiences which are helpful to improve the credit system of peasant households in China are obtained. Finally, the paper puts forward some concrete suggestions to perfect the credit system of peasant households in our country. In addition to the introduction and conclusion, the text is divided into four parts: The first part mainly introduces the related concepts of peasant household credit, and puts forward the importance of perfecting the legal system of peasant household credit to promote rural consumer credit. The author also puts forward the principles that should be followed in perfecting the legal system of peasant household credit information in China, and provides the direction and principle for the construction of the legal system of peasant household credit information in our country. At the same time, it examines the practice status of rural consumer credit related farmers. The second part focuses on summarizing the specific provisions of farmers' credit information in the existing legal documents of our country. On this basis, this paper analyzes the problems and shortcomings of the legal system of peasant household credit under the background of promoting rural consumer credit in our country, so as to determine the "breakthrough point" for perfecting the legal system of peasant household credit investigation in our country. The third part mainly studies the credit credit legislation model adopted by foreign countries in order to promote consumer credit, and refines its system core, and obtains some experiences and ideas which are helpful to improve the credit system of peasant households in our country. The 4th part is based on the second part and the third part, from the main household credit. The paper puts forward some concrete suggestions on how to improve the credit system of farmers in China under the background of promoting rural consumer credit in the three aspects of farmers' credit investigation behavior and farmers' credit investigation responsibility.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D922.282;D422.6

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