民间借贷疑难问题研究-法律专业毕业论文.docxVIP

万方数据 万方数据 学位论文独创性声明 本人所呈交的学位论文是在导师的指导下取得的研究成果。据我 所知，除文中已经注明引用的内容外，本论文不包含其他个人已经发 表或撰写过的研究成果。对本文的研究做出重要贡献的个人和集体， 均已在文中作了明确说明并表示了谢意。 作者签名： 日期： 学位论文使用授权声明 本人授权沈阳师范大学研究生处，将本人硕士学位论文的全部或 部分内容编入有关数据库进行检索；有权保留学位论文并向国家主管 部门或其指定机构送交论文的电子版和纸质版，允许论文被查阅和借 阅；有权可以采用影印、缩印或扫描等复制手段保存、汇编学位论文。 保密的学位论文在解密后适用本规定。 作者签名： 日期： 万方数据 万方数据 摘要 伴随经济的快速发展，城乡二元化的步伐也在不断加快，人们手头的留有 闲置金钱越来越多。在这样的形势下，人们有足够的资金进行理财，或者是从 事一系列其他经济活动。对于物价的波动无法预计，同时又缺乏经营投资的基 本意识与观念，所以这类人群常选择的借贷作为经营投资手段。在自然人之间 进行的借贷属于个的自发行为，缺乏法律保障。同时由于参与借贷活动的双方 往往法律意识淡薄，道德素质不高，缺乏必要的证据措施，使民间借贷的风险 性往往高涨。一些具有投机倒把性质的商业行为的奸商和金融诈骗等犯罪活动 盛行，近年来，因各类借贷引起一定范围内市场经济的混乱，社会的经济动荡 的要素越来越多，不利于经济的可持续发展。采取简单粗暴的手段处理普通群 众生活中的乱借乱贷现象，维护社会经济的有序性存在诸多问题，如导致市场 经济活动中资金流动不畅、中小企业无力发展运营、金融业资金运转困难等问 题。借助法律途径以保护民间资本的健康发展，推动当前社会主义经济现代化 的持续、稳定发展，这既与依法治国的思想相一致，也是构建法治社会的必要 条件。 关键词：民间借贷 房屋合同 非法集资 I Abstract With the rapid development of economy, the pace of city-countryside dualization is also accelerating while more and more people have extra money. In this case, people have enough money either for financial management or being engaged in a series of other economic activities. Price fluctuations cannot be predicted,on the other hand people are lack of the basic consciousness and idea of running business, thus they always select debtcredit as their means of running business. The debtcredit among natural people belongs to spontaneous behavior which is lack of the protection of legal law. Due to both sides are lack of legal consciousness, being short of necessary evidence and whose moral quality are not good, as a result, the risk of folk debit and credit rises high. Recently some dishonest traders and business activities in the nature of speculation prevails. In recent years, there are some chaos due to some kinds of debtcredit, factors which can add up to the fluctuation are becoming more and more ,it is obvious that it plays a bad part in the sustainable development of economy. By taking simple and crude measures to deal with the chaos in normal peoples financial life, maintain