民间借贷治理的法律问题分析-analysis on legal issues of private lending governance.docxVIP

摘 摘 要 I I 摘 要 近年来，我国民间借贷规模逐步扩大且形式多样，很大程度上满足了个人 及中小企业临时性融资的需求，为当地的经济发展提供了强劲的动力。然而， 我国对于民间借贷的法律、规定、规章较为分散，没有形成统一的、明确的、 专门的管理规范，更没有明确民间借贷在法律上的合理定位，这直接导致了民 间借贷纠纷出现时，缺少处理民间借贷案件的法律依据。因此，有关民间借贷 法律方面的学术研究将有助于政府今后如何规范、引导、治理民间借贷市场提 供良好的借鉴意义。 鉴于以上的考虑，笔者认为随着民间借贷的发展及市场化后，如何规范和 治理民间借贷的市场化运营？值得我们深入地研究和探索。基于以上的考虑， 首先本文从民间借贷的概念、特点、表现形式、存在的原因及产生的法律问题 与缺陷等方面入手，对民间借贷这一社会现象进行轮廓性的概述。其次，本文 从金融和法律等两方面分别对我国民间借贷的功能和定位进行研究，从而为本 文的深入研究提供了立论基础和理论依据。再次，笔者认为开放民间借贷市场 是金融市场发展过程中的必然趋势，并对目前我国适度开放民间借贷市场进行 阐述。最后，本文重点在于分析我国民间借贷法律制度的缺陷与问题，在此基 础上提出完善我国民间借贷合理的法律规制。 本文的结论是：我国民间借贷发展具有特殊性，但当前我国对经济的监管 体系，不能满足经济发展的需求。我国应当完善民间借贷监管立法，放松管制， 适当加强监管的原则下使民间借贷合法化，制定专门针对民间借贷监管的法律 制度。 关键词：民间借贷；合法化；治理；法律规制 Abst Abstract PAGE PAGE VI Abstract In recent years, the scale of our countrys folk lending has been expended, and the forms have also been multiple. This can meet the needs of temporary financing of individuals and small or medium-sized enterprises to a great extent, and provide a strong impetus for the local economic development. However, the laws, regulations or rules about the folk lending have so long been scattered. Our country hasnt formed a unified, clear and specific management specification, and hasnt defined the legal status of the folk lending, which lead to lack the legal basis when dealing with the dispute. So, academic researches about laws of the folk lending will provide the government with a good reference in how to regulate, guide and manage the folk lending in the future. Given all that, the author submits the questions about how to regulate and manage with the development and marketization of the folk lending, which is also the necessity of this thesis. The thesis starts from the concept, the characteristics, the form, the reasons of existent and the legal problems of the folk lending firstly in order to get preliminary understanding of the folk lending. Secondly, this paper carries the research from function and location of the folk lending, which in order to provide the theoretical foundation