發(fā)布時(shí)間：2018-05-03 14:16

  本文選題：民間借貸 + 監(jiān)管制度�。� 參考：《電子科技大學(xué)》2012年碩士論文

【摘要】：民間借貸在我國(guó)的發(fā)展一直飽受詬病，人們對(duì)此的爭(zhēng)執(zhí)很多，一方面它是我國(guó)金融體系的不可忽視的一部分，也確實(shí)起到了一定的積極作用，另一方面，它的無(wú)序和急功近利的發(fā)展模式也造成了諸多不好的社會(huì)影響，不但直接對(duì)國(guó)家宏觀金融調(diào)控起到干擾作用，也對(duì)社會(huì)穩(wěn)定和人民群眾的生活造成了惡劣的影響。這就要求我國(guó)將民間借貸引導(dǎo)“向上”，，構(gòu)建民間借貸的監(jiān)管制度引導(dǎo)其健康發(fā)展，發(fā)揮其特有優(yōu)勢(shì)，進(jìn)一步為我國(guó)經(jīng)濟(jì)發(fā)展作出貢獻(xiàn)。對(duì)于民間借貸的監(jiān)管，政府部門一直在進(jìn)行調(diào)研，我國(guó)對(duì)民間借貸的監(jiān)管制度建設(shè)并沒(méi)有跟上拍子。雖然對(duì)民間借貸方面的政府監(jiān)管的呼聲很大，但是直到現(xiàn)在一部關(guān)于民間借貸規(guī)治的立法文獻(xiàn)也未頒布。因此，民間借貸又被稱為“草根金融”、“地下金融”，給政府帶來(lái)了極大的監(jiān)管難度，而且增加了市場(chǎng)的不確定性，使得有效市場(chǎng)秩序的確定更是困難重重，其還直接影響到我國(guó)人民銀行的宏觀經(jīng)濟(jì)調(diào)控政策的抉擇。自然，面對(duì)民間借貸的不可或缺與難以控制的尷尬現(xiàn)狀，民間借貸應(yīng)該何去何從，應(yīng)當(dāng)怎么樣對(duì)它進(jìn)行規(guī)制，成為亟待解決的現(xiàn)實(shí)問(wèn)題。也因此，筆者認(rèn)為對(duì)我國(guó)民間借貸的政府監(jiān)管問(wèn)題進(jìn)行深入的研究不僅對(duì)我國(guó)目前的金融體制改革的實(shí)施，對(duì)進(jìn)一步完善我國(guó)政府監(jiān)管體系，以及在全球化和自由化的國(guó)際環(huán)境中，對(duì)于維護(hù)我國(guó)的金融安全和社會(huì)穩(wěn)定都有著現(xiàn)實(shí)價(jià)值與意義。 本文從四個(gè)大的部分來(lái)組建論文，第一章：介紹選題背景、意義、研究綜述，。第二章：厘定相關(guān)概念，闡述相關(guān)理論，第三：介紹我國(guó)目前民間借貸的現(xiàn)狀與問(wèn)題。就民間借貸本身而言，在補(bǔ)給信貸市場(chǎng)供需不足的同時(shí)，其危害性暴露無(wú)疑。高風(fēng)險(xiǎn)性就是民間借貸的致命弱點(diǎn)。從溫州民間借貸的發(fā)展歷程來(lái)分析，可以看出，高風(fēng)險(xiǎn)的民間借貸有著正規(guī)金融所缺乏的機(jī)制特征，不能因?yàn)槊耖g借貸的高風(fēng)險(xiǎn)而取締、打壓民間借貸，相反應(yīng)該并且只有通過(guò)構(gòu)建專門的監(jiān)管制度才能規(guī)制其高風(fēng)險(xiǎn)。民間借貸的危害性還表現(xiàn)在造成巨大民間資金“暗流”，導(dǎo)致金融信息失真，直接影響到我國(guó)政府宏觀調(diào)控的有效性。另外，民間借貸由于生于民間，參與者常常在出現(xiàn)糾紛時(shí)不是尋求法律的救濟(jì)而是采取極端的方式自我救濟(jì)，因此由民間借貸糾紛引發(fā)的暴力、流血事件并不少見(jiàn)，嚴(yán)重破壞了社會(huì)秩序。無(wú)論是對(duì)金融信息的隱蔽還是對(duì)社會(huì)秩序的擾亂，都可以通過(guò)豁管制度的建構(gòu)進(jìn)行管理。 第四章對(duì)民間借貸政府監(jiān)管制度進(jìn)行分析。著重從我國(guó)法律監(jiān)管制度、金融監(jiān)管制度、政府政策、規(guī)章制度現(xiàn)實(shí)狀況分析入手，共分為三大部分進(jìn)行論證。首先，我國(guó)沒(méi)有相應(yīng)的法律制度對(duì)民間借貸進(jìn)行監(jiān)管，不僅如此，我國(guó)現(xiàn)有民間借貸的一些相關(guān)立法存在沖突。其次，在現(xiàn)有的金融監(jiān)管制度中，絲毫沒(méi)有對(duì)民間借貸的相關(guān)制度安排，使民間借貸流于正規(guī)制度之外。從上面兩點(diǎn)，可以得出這樣的結(jié)論：我國(guó)沒(méi)有相應(yīng)的民間借貸監(jiān)管制度，我國(guó)也在有針對(duì)性地對(duì)嚴(yán)格的金融管制進(jìn)行調(diào)整，以期抓住在金融全球化背景下的發(fā)展契機(jī)。筆者在第五章提出了建構(gòu)民間借貸政府監(jiān)管制度的具體建議。對(duì)政府監(jiān)管制度的構(gòu)建，主要從監(jiān)管主體、監(jiān)管對(duì)象、監(jiān)管內(nèi)容以及監(jiān)管體制和監(jiān)管手段幾個(gè)方面入手。在上面五章的基礎(chǔ)上，筆者得到這樣的結(jié)論：我國(guó)應(yīng)當(dāng)在完善民間借貸政府監(jiān)管，通過(guò)建立民營(yíng)金融機(jī)構(gòu)的基礎(chǔ)上，使民間借貸正規(guī)化；根據(jù)其特征，構(gòu)建專門針對(duì)民間借貸的監(jiān)管制度。 相信這個(gè)課題的研究和討論會(huì)對(duì)金融業(yè)的從業(yè)人員和政府相關(guān)部門的監(jiān)管人員以及從事理論研究的相關(guān)學(xué)者專家有一定的借鑒意義。
[Abstract]:The development of private lending in our country has been criticized, people have a lot of disputes. On the one hand, it is an important part of our financial system, and it does play a positive role. On the other hand, its disorder and rapid development model have also caused many bad social effects, not only directly to the national macro. The financial regulation and control play a disturbing effect on the social stability and the people's life. This requires our country to guide the private lending to "go up", to construct the regulatory system of private lending to guide its healthy development, to give full play to its unique advantages, to further contribute to the economic development of our country. The government departments have been conducting research and research, and the regulatory system for private lending has not kept pace with the construction of the regulatory system in China. Although there is a great call for government supervision over private lending, the legislative literature on private lending regulations has not been promulgated until now. Therefore, the inter ethnic lending is also called "grassroots finance", "underground gold". It has brought great supervision difficulty to the government, and increased the uncertainty of the market, which made the determination of the effective market order more difficult. It also directly affected the choice of the macro economic regulation policy of the people's Bank of China. How to regulate it and how to regulate it has become a realistic problem to be solved. Therefore, the author thinks that the in-depth study of the government supervision in China's private lending is not only to implement the current financial system reform in China, but also to further improve our government supervision system, as well as in the globalization and liberalization. In the international environment, it is of realistic value and significance to safeguard China's financial security and social stability.
This article from four large parts to form a paper, the first chapter: introduce the background, significance, research review, the second chapter: the definition of related concepts, the relevant theory, third: to introduce the current situation and problems of our country's current private lending, in terms of private lending itself, the lack of supply and demand in the credit market, while its harmless exposure is no doubt. High risk is the fatal weakness of private lending. From the analysis of the development process of Wenzhou folk lending, it can be seen that high risk folk lending has the characteristics of the lack of formal finance. It can not be banned because of the high risk of private lending and suppress private lending. On the contrary, it should be and only through the construction of a special regulatory system. It can regulate its high risk. The harmfulness of private lending is also manifested in the cause of the "dark current" of huge folk funds, which leads to the distortion of financial information, which directly affects the effectiveness of the macro regulation of the government of our country. In addition, because of the fact that the folk loan is born in the folk, the participants often take the extreme way not to seek legal relief in the case of disputes. Self relief, so the violence caused by the civil debit and credit disputes is not uncommon, and it has seriously damaged the social order. It can be managed through the construction of the system of immunity, whether it is the concealment of financial information or the disturbance of the social order.
The fourth chapter analyzes the government supervision system of the private lending government. It focuses on the analysis of the legal supervision system, the financial supervision system, the government policy and the rules and regulations, which is divided into three parts. First, there is no corresponding legal system to supervise the loan of the folk. Secondly, in the existing financial supervision system, there is no system arrangement of private lending in the slightest, so that private lending is out of the formal system. From the above two points, we can draw a conclusion that there is no corresponding system of private lending supervision in China, and China is also targeted to strict gold. The regulation is adjusted in order to seize the opportunity of development under the background of financial globalization. In the fifth chapter, the author puts forward the concrete suggestions for the construction of the government supervision system of the private lending government. The construction of the government supervision system is mainly from the supervision subject, the supervision object, the supervision content, the supervision system and the supervision means. In the above five On the basis of the chapter, the author draws the conclusion that China should improve the supervision of the private lending government and make the private lending regularized on the basis of the establishment of private financial institutions, and build a regulatory system specially for private lending according to its characteristics.
It is believed that the research and discussion of this subject will be of reference to the practitioners of the financial industry, the regulators of the relevant government departments and the relevant scholars and experts engaged in theoretical research.

【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

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