發(fā)布時(shí)間：2018-04-15 04:20

  本文選題：投資擔(dān)保 + 債權(quán)擔(dān)保�。� 參考：《蘭州大學(xué)》2014年碩士論文

【摘要】：隨著我國(guó)社會(huì)主義市場(chǎng)經(jīng)濟(jì)體制進(jìn)一步完善,中小企業(yè)和個(gè)人等市場(chǎng)主體的信用需求不斷增加,擔(dān)保行業(yè)存在很大的發(fā)展空間。然而,我國(guó)投資擔(dān)保公司的發(fā)展在整體上顯得良莠不齊,頻頻發(fā)生的違規(guī)經(jīng)營(yíng)已經(jīng)阻礙了擔(dān)保行業(yè)的發(fā)展,這已經(jīng)引起監(jiān)管當(dāng)局的注意。完善我國(guó)投資擔(dān)保公司的法律制度、提高投資擔(dān)保公司的運(yùn)作水平,對(duì)于滿足中小企業(yè)的融資需求、個(gè)人消費(fèi)者的消費(fèi)擔(dān)保需求,降低金融行業(yè)的風(fēng)險(xiǎn)隱患,促進(jìn)市場(chǎng)經(jīng)濟(jì)健康發(fā)展都有重要意義。本文研究發(fā)現(xiàn),我國(guó)投資擔(dān)保公司在發(fā)展中面臨擔(dān)保行業(yè)法制不完善和配套制度建設(shè)不健全等諸多問(wèn)題,并針對(duì)這些主要問(wèn)題進(jìn)行分析,進(jìn)一步提出改進(jìn)我國(guó)投資擔(dān)保公司法律問(wèn)題的立法建議。這些立法建議具有可操作性和合理性。 本文共分為三章：第一章主要探討我國(guó)投資擔(dān)保公司的基本概況。本章的目的在于全面介紹我國(guó)投資擔(dān)保公司的主要情況,內(nèi)容涵蓋投資擔(dān)保公司的發(fā)展歷程、社會(huì)功能、法律地位以及運(yùn)作模式。第二章討論我國(guó)投資擔(dān)保公司在發(fā)展中存在的主要法律問(wèn)題,這也是本文分析問(wèn)題的重點(diǎn)。本章第一節(jié)介紹我國(guó)投資擔(dān)保公司立法和政策的現(xiàn)狀,列舉了投資擔(dān)保行業(yè)主要的立法文件和政策。第二、三、四節(jié)分別介紹我國(guó)投資擔(dān)保公司在設(shè)立、經(jīng)營(yíng)與監(jiān)管中存在的主要法律問(wèn)題。第五節(jié)論述我國(guó)投資擔(dān)保公司的相關(guān)配套制度建設(shè)不健全,說(shuō)明擔(dān)保業(yè)不健全的配套制度對(duì)投資擔(dān)保公司的發(fā)展已產(chǎn)生不利影響。第三章闡述了完善我國(guó)投資擔(dān)保公司立法的建議,這部分是對(duì)本文研究成果的展示。本章分四個(gè)部分,分別從投資擔(dān)保公司的設(shè)立、經(jīng)營(yíng)、監(jiān)管和相關(guān)制度建設(shè)四個(gè)角度出發(fā),討論如何解決我國(guó)投資擔(dān)保公司在發(fā)展中面臨的主要法律問(wèn)題。首先,在投資擔(dān)保公司的設(shè)立方面,立法者應(yīng)當(dāng)規(guī)范設(shè)立條件,統(tǒng)一設(shè)立程序。其次,在投資擔(dān)保公司的經(jīng)營(yíng)方面,應(yīng)當(dāng)明確其超出經(jīng)營(yíng)范圍的效力,規(guī)范擔(dān)保理財(cái)業(yè)務(wù)的管理規(guī)則。再次,在投資擔(dān)保公司的監(jiān)管上,應(yīng)當(dāng)繼續(xù)完善監(jiān)管立法,改變投資擔(dān)保行業(yè)立法層次低的現(xiàn)狀。針對(duì)多頭監(jiān)管存在的諸多弊端,應(yīng)當(dāng)確立政府單一監(jiān)管主體,改進(jìn)監(jiān)管體制。最后,在投資擔(dān)保公司的相關(guān)配套制度建設(shè)上,應(yīng)當(dāng)健全投資擔(dān)保公司的風(fēng)險(xiǎn)分散機(jī)制、擔(dān)保資金補(bǔ)充機(jī)制和風(fēng)險(xiǎn)內(nèi)控法律機(jī)制。鑒于信用評(píng)級(jí)在投資擔(dān)保公司開(kāi)展融資性擔(dān)保中發(fā)揮著重要作用,因此,還應(yīng)當(dāng)完善信用評(píng)級(jí)立法。
[Abstract]:With the further improvement of the socialist market economic system in China, the credit demand of the market subjects such as small and medium-sized enterprises and individuals is increasing, and there is a great space for the development of the guarantee industry.However, the development of investment guarantee companies in our country appears mixed on the whole, the frequent illegal operation has hindered the development of the guarantee industry, which has attracted the attention of the regulatory authorities.Perfecting the legal system of investment guarantee companies in our country and improving the operation level of investment guarantee companies can meet the financing needs of small and medium-sized enterprises, consumer consumption guarantee needs of individual consumers, and reduce the hidden risks in the financial industry.It is of great significance to promote the healthy development of market economy.This paper finds that China's investment guarantee companies are faced with many problems in the development of the guarantee industry, such as imperfect legal system and imperfect supporting system, and analyzes these main problems.Further, it puts forward legislative suggestions to improve the legal issues of investment guarantee companies in China.These legislative proposals have maneuverability and rationality.This paper is divided into three chapters: the first chapter mainly discusses the basic situation of China's investment guarantee companies.The purpose of this chapter is to introduce the main situation of investment guarantee companies in China, including the development course, social function, legal status and operation mode of investment guarantee companies.The second chapter discusses the main legal problems existing in the development of China's investment guarantee companies, which is also the focus of this paper.The first section of this chapter introduces the current situation of the legislation and policy of the investment guarantee company in China, and lists the main legislative documents and policies of the investment guarantee industry.The second, third and fourth sections respectively introduce the main legal problems existing in the establishment, operation and supervision of the investment guarantee companies in China.The fifth section discusses that the construction of relevant supporting system of investment guarantee companies in China is not perfect, which shows that the imperfect supporting system of guarantee industry has had a negative impact on the development of investment guarantee companies.The third chapter expounds the suggestion of perfecting the legislation of investment guarantee company in our country, this part is the demonstration of the research result of this article.This chapter is divided into four parts, respectively from the investment guarantee company establishment, management, supervision and related system construction four angles, discusses how to solve our country investment guarantee company in the development of the main legal problems.First of all, in the aspect of investment guarantee company establishment, legislator should standardize the establishment condition and unify the establishment procedure.Secondly, in the aspect of investment guarantee company's management, we should make clear its effect beyond the scope of operation and standardize the management rules of guarantee financing business.Thirdly, in the supervision of investment guarantee companies, we should continue to improve the regulatory legislation to change the low level of investment guarantee industry legislation.In view of the disadvantages of the long supervision, we should establish the government single supervision body and improve the supervision system.Finally, we should perfect the risk dispersing mechanism, the supplementary mechanism of guarantee fund and the legal mechanism of internal control of risk in the construction of relevant supporting system of investment guarantee company.Since credit rating plays an important role in the financing guarantee of investment guarantee companies, it is necessary to perfect the legislation of credit rating.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.28;D923

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