本文選題：過度負債　切入點：負責任貸款　出處：《廣西大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來,許多地區(qū)不同程度地爆發(fā)卡債危機、次貸金融危機、微型金融危機,究其原因,貸款人不負責任貸款行為導(dǎo)致的過度負債問題成為金融危機頻發(fā)的重要原因之一。為治理過度負債問題、預(yù)防經(jīng)濟危機、穩(wěn)定金融市場,各個國家紛紛采取措施,負責任貸款制度就成為解決過度負債問題的最佳工具之一。負責任貸款制度要求貸款人要堅持貸款“適當性”原則,負責任的履行法定和約定義務(wù),對借款人的還款能力、貸款需求和目的、風險等級等進行評估,并不得將不適合的產(chǎn)品提供給借款人。構(gòu)建負責任貸款制度是金融貸款業(yè)的一場深刻的變革：在貸款理念上,不僅要考慮到貸款人的利益、評估借款人的還款能力,還要考慮到貸款產(chǎn)品是否滿足借款人的貸款目的和需求；在貸款措施上,許多國家根據(jù)本國的國情制定法律法規(guī)和規(guī)章,并將負責任貸款制度的理念和要求細化為具體措施,制定法律責任保證措施的實行。本文通過對域外關(guān)于負責任貸款制度的規(guī)定進行考察,與我國當前的貸款規(guī)定對比,發(fā)現(xiàn)我國金融貸款業(yè)的漏洞和不足,借鑒域外經(jīng)驗,構(gòu)建適合我國國情的負責任的貸款制度,對我國負責任貸款制度的核心義務(wù)、法律責任進行設(shè)計。
[Abstract]:In recent years, many regions have broken out, to varying degrees, the card debt crisis, the subprime financial crisis, and the micro-financial crisis. The excessive debt problem caused by the irresponsible loan behavior of the lender has become one of the important reasons for the frequent financial crisis. In order to control the excessive debt problem, prevent the economic crisis and stabilize the financial market, various countries have taken measures one after another. The responsible loan system has become one of the best tools to solve the problem of excessive debt. The responsible loan system requires the lender to adhere to the principle of "appropriateness" of the loan, to responsibly fulfill the legal and contractual obligations, and to repay the borrower's ability. Credit needs and purposes, risk ratings, etc., and not to offer unsuitable products to borrowers. Building a responsible lending system is a profound change in the financial lending industry: in terms of lending ideas, Take into account not only the interests of the lender, but also the ability of the borrower to repay, as well as whether the loan product meets the borrower's purpose and needs. In terms of loan measures, many countries have formulated laws, regulations and rules according to their national conditions. The concept and requirements of the responsible loan system are refined into concrete measures, and the implementation of legal liability guarantee measures is formulated. This paper makes an investigation on the provisions of the extraterritorial responsible loan system, and compares them with the current loan provisions in China. This paper finds out the loopholes and shortcomings of the financial loan industry in our country, draws lessons from the overseas experience, constructs the responsible loan system suitable for the national conditions of our country, and designs the core obligation and legal responsibility of the responsible loan system of our country.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4
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本文編號：1572867