民间金融法律问题研究-法律学专业毕业论文.docxVIP

首都经济贸易大学硕士学位论文 首都经济贸易大学硕士学位论文 民间金融法律问题研究 PAGE PAGE 10 摘 要 社会公众的法治意识被浙江省高级人民法院的一纸死刑判决而唤起，但不同 的是，各界认为这一次被告站在了弱势的一面。一个普通的案件迅即演变成一起 法治事件。从坊间直至今年全国“两会”总理答记者问，民间金融这一有实无名 的社会经济现象被推到了风口浪尖。以民间借贷为代表的民间金融尴尬的身份是 由我国现阶段所实行的金融体制机制所造成。严格的金融管控之下，一切从银行 等正规金融体制之外借贷资金用于经营投资的行为均被视为非法，且在当前法律 关于民间金融民事法律行为与非法集资违法犯罪行为区分不甚明确、民间金融市 场缺乏切实有效的金融监管之时，以民间借贷为代表的民间金融市场面临着巨大 的法律和经济风险。开放民间金融，给予民间金融市场应有的法律和政策名分， 不仅可以避免改革过程中“祭旗者”这种悲剧的再次发生，而且是顺应市场经济 发展、促进我国社会经济又好又快发展的必然要求。本文试图通过对民间金融法 律地位的分析，呼吁我国有关民间金融的法律法规及相关制度的尽快制定实施。 关键词：民间借贷 非法集资 法律风险 高利贷 金融体制 Abstract The social public legal consciousness by a death sentence and the paper back, but the difference is, that all this time the defendant stand in the weak side. A common case quickly evolved into a legal events together. Until this year from among the CPPCC prime minister reporters, folk lending this solid unknown social economic phenomenon is pushed to outlet wave. With folk lending, as a representative of the folk financial embarrassed by the identity of the present stage in China is that the financial system by mechanism. Strict financial control under, everything from outside the formal financial system such as bank lending funds for business investment behavior are illegal, and in the current laws on the civil legal behavior and folk lending illegally accepting illegal crime is not very clear distinction, folk financial market lacks practical and effective financial supervision, with folk lending, as a representative of the folk financial market is facing a huge legal and economic risk. Open folk financial, give folk lending activities should have laws and policies of the adoption, to wit, not only can avoid the reform process of offering flag, this tragedy from happening again, and it is the development of the market economy, to promote our social economy, nice and fast development. This paper attempts to folk lending the legal status of analysis, called on Chinas relevant laws and regulations of the private financial and related system as soon