本文選題：民間金融組織 + 信貸經(jīng)紀人��； 參考：《西南民族大學(xué)學(xué)報(人文社會科學(xué)版)》2014年09期

【摘要】：信貸經(jīng)紀人直接影響到借款人資信評估質(zhì)量、信貸業(yè)務(wù)的合規(guī)審核、放貸業(yè)務(wù)風(fēng)險的審核以及催債業(yè)務(wù)的合法推進,顯然已經(jīng)成為民間金融組織業(yè)務(wù)活動和風(fēng)險防控的核心,因此需要嚴格規(guī)范。目前,信貸經(jīng)紀人的概念在新型金融借貸機構(gòu)不斷出現(xiàn)的背景下缺乏統(tǒng)一的界定,其業(yè)務(wù)種類和行為標尺更沒有清晰和明確的規(guī)范與監(jiān)管。在對民間借貸風(fēng)險追根溯源之時會發(fā)現(xiàn),風(fēng)險早已埋藏在信貸經(jīng)紀人這一環(huán)節(jié)。為規(guī)避和預(yù)控借貸風(fēng)險,在類型差異化的民間金融組織中,完善的治理機制中應(yīng)有專門針對信貸經(jīng)紀人的法律規(guī)范,以綜合性的法律約束機制來嚴格規(guī)制信貸經(jīng)紀人的行為。
[Abstract]:Credit brokers directly affect the quality of the credit rating of borrowers, the compliance audit of credit operations, the audit of the risks of lending business and the legal promotion of debt reminders. Obviously, they have become the core of the business activities and risk prevention and control of private financial organizations.Therefore, strict regulation is needed.At present, the concept of credit broker is lack of uniform definition under the background of the new financial lending institution, and there is no clear and clear regulation and supervision of its business type and behavior scale.When tracing the origin of private lending risk, we can find that the risk has already been buried in the credit broker.In order to avoid and pre-control the loan risk, the perfect governance mechanism in the different types of private financial organizations should have special legal norms for credit brokers, and strictly regulate the behavior of credit brokers with comprehensive legal restraint mechanism.
【作者單位】： 吉林財經(jīng)大學(xué)法學(xué)院;國家檢察官學(xué)院;中國人民大學(xué);
【基金】：教育部青年基金項目“中國金融體制改革中民間借貸規(guī)范化研究”(12YJC820014) 吉林省教育廳項目“吉林省農(nóng)村金融服務(wù)創(chuàng)新研究:以產(chǎn)權(quán)融資改革委視角”(吉教科文合字[2013]第170號)階段性成果
【分類號】：D922.282

【參考文獻】

相關(guān)期刊論文 前7條

1 凌慧明;WTO金融服務(wù)貿(mào)易法律框架與中國金融法制的完善[J];當代法學(xué);2003年04期

2 汪習(xí)根;王康敏;;論金融危機下發(fā)展權(quán)面臨的挑戰(zhàn)與出路[J];法律科學(xué)(西北政法大學(xué)學(xué)報);2011年03期

3 周少華;;法律之道:在確定性與靈活性之間[J];法律科學(xué)(西北政法大學(xué)學(xué)報);2011年04期

4 匡樺;李富有;張旭濤;;隱性約束、聲譽約束與農(nóng)戶借貸行為[J];經(jīng)濟科學(xué);2011年02期

5 楊超;;新形勢下對金融倫理道德建設(shè)的新要求[J];w，

本文編號：1756452