本文選題：民間借貸 + 規(guī)范化��； 參考：《河南科技大學》2013年碩士論文

【摘要】：我國的民間借貸歷史悠久，從西周開始發(fā)展了幾千年，如今在我國覆蓋范圍廣、市場容量大，已成為金融市場中不可缺少的一部分。但是，我國的民間借貸市場還存在著諸多的不規(guī)范問題，2011年一系列民間借貸糾紛案件的發(fā)生，使越來越多的學者和社會人士開始關(guān)注民間借貸規(guī)范化的問題。民間借貸市場資金容量大、交易門檻低、交易便捷，對正規(guī)金融體系形成了很好的補充作用，因此，如何規(guī)范民間借貸市場對我國的金融市場發(fā)展和經(jīng)濟發(fā)展有這著重大意義。 本文的主要結(jié)構(gòu)和內(nèi)容如下。首先，從現(xiàn)代契約理論和制度變遷理論兩個方面解釋了民間借貸行為的產(chǎn)生激勵，隨后對我國民間借貸行為的種類和特點進行了闡述，并總結(jié)出了我國的民間借貸存在的利率制度、經(jīng)營組織不規(guī)范、風險控制力弱、法律缺位、容易被非法活動利用方面的問題。 溫州的金融改革試點為民間借貸行為的規(guī)范化提供了探索方向，此外，國際民間借貸市場的成功經(jīng)驗也提供了很好的范本。每個國家的歷史傳統(tǒng)、經(jīng)濟環(huán)境不同，民間借貸市場的形態(tài)也不一樣，，但是，成功建立起一個規(guī)范的民間借貸市場所必備的元素都是一樣的。筆者認為，對民間借貸行為的規(guī)范化問題，本質(zhì)上是體制建立的問題，只有在一個合理的體制下，才能夠有效約束主體的行為。因此，本文最后從宏觀政策態(tài)度、市場結(jié)構(gòu)以及監(jiān)管方法三個層次提出建議。首先，政府應(yīng)當采取積極鼓勵的態(tài)度，同時完善法制、自由利率、明確監(jiān)管主體；其次，可以借鑒美國和德國的經(jīng)驗，采用層級式市場結(jié)構(gòu)，輔助外部審計和信息披露平臺；最后，具體的監(jiān)管措施包括注冊備案制、風險監(jiān)測、保險機制等。
[Abstract]:Our country has a long history of folk lending, which has been developed for thousands of years since the Western Zhou Dynasty. Now it has become an indispensable part of the financial market because of its wide coverage and large market capacity. However, there are still many non-standard problems in the private lending market in our country. The occurrence of a series of private loan disputes in 2011 makes more and more scholars and social people begin to pay attention to the standardization of private lending. The private lending market has large capital capacity, low transaction threshold and convenient transaction, which is a good supplement to the formal financial system. Therefore, how to standardize the private lending market is of great significance to the development of financial market and economic development of our country. The main structure and contents of this paper are as follows. First of all, from the modern contract theory and the theory of institutional change to explain the emergence of private lending behavior incentives, and then the types and characteristics of folk lending behavior in China are expounded. It also summarizes the problems of the interest rate system of our country's folk loan, the non-standard management organization, the weak risk control, the absence of the law, and the problem of being easily used by the illegal activities. The experiment of financial reform in Wenzhou has provided the exploration direction for the standardization of the private lending behavior, in addition, the successful experience of the international private lending market has also provided a good model. The historical tradition and economic environment of each country are different, and the form of private lending market is also different. However, the elements necessary for the successful establishment of a standardized private lending market are the same. The author believes that the standardization of folk lending behavior is essentially a problem of the establishment of a system, and only under a reasonable system can the behavior of the subject be effectively restrained. Therefore, this paper puts forward suggestions from three levels of macro policy attitude, market structure and supervision method. First, the government should take a positive attitude to encourage, at the same time perfect the legal system, free interest rate, clear regulatory body; secondly, we can learn from the experience of the United States and Germany, adopt a hierarchical market structure to assist the external audit and information disclosure platform; Finally, the specific regulatory measures include registration system, risk monitoring, insurance mechanism and so on.
【學位授予單位】：河南科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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