我国民间借贷法律监管分析研究.pdfVIP

内容摘要 改革开放以来，随着经济社会的不断发展，民间借贷作为一种非正规金融形 式受到了越来越多的关注，已经成为我国金融体系中的重要组成部分。我国学术 界对民间借贷进行研究的起步较晚，国内研究对民间借贷本身的合法性是基本上 没有争议的，但对于是否应当赋予专门吸收存款再贷款的民间借贷组织正当合法 地位却存在诸多争议。当前我国民间借贷法律监管方面存在诸多问题，没有专门 的监管机构，也缺乏专门的民间借贷法律法规。笔者通过分析我国民间借贷的现 状和问题，综合运用民法、经济法、法理学、刑法等法学理论，提出完善民间借 贷法律监管制度的对策。本文共分为五个部分，各部分内容概括如下: 第一部分，民间借贷概述探讨了民间借贷的定义、分类及法律特征，民间 借贷的发展原因及利弊，从宏观上对民间借贷的一般理论问题进行了梳理。 第二部分，我国民间借贷法律监管的现状及问题，通过对我国民间借贷相 关立法和监管现状的考察和分析，揭示了我国民间借贷法律监管存在的主要问 题，其中包括：法律定性偏差，缺少系统的监管法律制度，缺少专门的监管主体， 监管手段严重滞后以及制度设计不尽合理等。 第三部分，完善我国民间借贷法律监管制度的对策，这部分是本文的重点。 文中针对我国民间借贷法律监管的现状及主要问题，提出了我国民间借贷法律监 管制度应当遵循的原则，并就相关具体制度的完善提出了作者设想，包括：一般 民间借贷法律监管制度的完善和特殊民间借贷法律监管制度的完善等。 关键词：民间借贷；法律监管；利弊；现状；对策 Abstract Since the reform and opening up and with the continuous economy and society development, private lending, as a non-formal financial form. has received more and more attention, and has become an important part of Chinas financial system. As the private lending research started late at our academic circles, there is almost no any controversy on the legitimacy of the private lending itself. However, there are a lot of controversy on whether the official legal status should be endowed to the private lending who attracts deposits specially, then loan the deposits. Currently, there are many problems on the legal regulatory of private lending in our country. There is no specific regulatory bodies, and also lack of a special laws and regulations for private lending. Through the analysis of the current situation and problems of Chinas private lending, also integrated use of civil law, economic law, jurisprudence, criminal law and legal theory, put forward some countermeasures to improve the private lending legal and regulatory system. This paper is divided into five parts, each part of the contents are summarized as follows: The first part, the summari