论民间借贷的规范化发展-法律专业论文.docxVIP

华 华 中 科 技 大 学 硕 士 学 位 论 文 I I 摘 要 民间借贷是个复杂而极具争议性的问题，它在人们明知其弊，而又不能否认其 价值的矛盾状况下存在。随着我国市场经济的发展，民间借贷日趋活跃。一方面， 民间借贷形式灵活、手续简便，比较符合人们的交易习惯和社会心理，缓解了“三 农”和中小企业融资难的问题，促进了经济的发展，同时，也弥补了正规金融服务 的不足，起到了拾遗补缺的作用；另一方面，民间借贷本身管理极不规范，存在着 交易隐蔽、风险不易监控等问题，对金融稳定及宏观调控的实施带来了负面的社会 影响。因此，对民间借贷规范化发展问题的探讨具有重要的现实意义。 民间借贷形式各样、地区各异，文章运用历史分析、案例分析、实证分析和规 范分析的方法，考察了民间借贷规范化发展的法律途径。 文章对民间借贷的概念进行了界定，首先介绍了我国民间借贷的历史沿革，认 为民间借贷大体依循惯例，有其延续性，并从信息不对称理论、交易成本理论、金 融抑制理论解释了民间借贷存在和发展的原因。然后，在立足现状的基础上，指出 民间借贷合法与非法的界定、利率市场化与官方化的抉择、监管者职权与职责的对 应是民间借贷的三大法律困境，并予以厘清和分析。最后，针对存在的法律困境， 认为应该尽快出台《放贷人条例》，使民间借贷有法可依，并建议修改民间借贷相关 法律法规及配套的法律法规，适用和遵循民间借贷的民间法，以规范和促进民间借 贷的发展。 关键词：民间借贷 非法集资 利率市场化 金融监管 放贷人条例 II II Abstract Informal finance is a very complex and disputable problem. Although it has many drawbacks we can not deny its value and its existence. Informal finance becomes more and more active with the boost in Chinas economy. On the one hand, the form of the informal finance is flexible and procedure is simple. On the other hand, the informal finance meets the routine of trade and social psychology. Informal finance relieves difficulty for the finance of small and medium enterprises and improves economy. At the same time it solves the deficiency of the formal finance. But the informal finance has many defects, such as irregularity of management, lack of risk management, and so on. The informal finance brings forward negative effect on the finance and macro-control efforts. So it has materialistic significance to discuss the standard improvement. The informal finance has different forms and regional difference. This dissertation studies the legal means for regulating the informal finance by the use of historic analysis， case analysis, empirical analysis and normative analysis. The dissertation defines the concept of the informal finance. Firstly, the dissertation introduces the evolution of the informal finance of our country and considers that the informal finance has its consistency. The dissertation explains the reasons of exsist