我国农村民间借贷法律规制初探.docVIP

我国农村民间借贷法律规制初探 摘要 民间借贷是民间金融的一个部分，随着经济主体与经济活动的日益多元化，民间借贷已融入社会金融体系中。而我国农村经济的不断发展，使得农村民间借贷早已成为我国农村金融的重要组成部分。在农村，民间借贷是一种直接的?灵活的融资形式，我国农村民间借贷的发展在一定程度上促进了我国农村资金市场的供需平衡，有利于农村金融市场竞争格局的形成，但它同时又是一柄“双刃剑”，在当前社会法律条件下，农村民间借贷又带来许多新问题，诸如资金流向的无序性、金融风险与监管困难等。本文将从法学的角度重新认识我国农村民间借贷，分析民间借贷在我国农村存在的特点及发展现状，从而提出促进我国农村民间借贷规范发展的法律规制建议。 关键词：农村民间借贷 现状 法律规制 建议 Regulation of China's rural folk lending laws Abstract Private lending is a part of the Private Finance, with the growing diversification of the economic entities and economic activity. private lending has been integrated into the society of the financial system. The continuous development of China's rural economy, the private lending in rural areas has already become an important part of China's rural financial in rural areas, private lending is a direct, flexible forms of financing, the development of private lending in rural areas to promote a certain extent, the rural capital market supply and demand balance, and solve the contradiction of the needs of farmers living expenses, the financial market competition formation, but it is also a two-edged double-edged sword ", the current social and legal conditions, the private lending in rural areas brings many new problems, such as the disorder of the capital flows, financial risk and regulatory difficulties. This article from the Law of the angle of re-understanding of the rural private lending, analysis of the characteristics and development status of private lending in rural legal regulation to promote the development of rural private lending norms recommended. Keywords Private lending in rural areas Present Situation Legal Regulation recommend. 引言 一般来讲，我国农村借贷的主体应是农业银行和农村信用社，而作为活跃在农村借贷市场的民间借贷，长期以来，不仅一直存在，而且大有市场。农村民间借贷有着不能忽视且又不可取代的地位，它对农村经济的发展起着促进作用，但在其发展过程中也存在着诸多问题。通过对我国农村民间借贷的理解和对我国农村民间借贷的现状加以总结，从而对我国农村民间借贷的法律规制提出合理建议，促进我国农村民间借贷的健康发展。 第一章 我国农村民间借贷的概述 1.1概念 目前，学者们对于民间借贷的含义提出种种不同的见解，对其的理解多是从经济学和金融角度出发，认为民间借贷称非正规金融，是相对于正规金融而言自发形成的民间信用，是指不通过已经存在的金融机构，而在个人与个人之间，个人与集团之间进行的一种借贷活动，是一