本文選題：民間金融 + 金融風險�。� 參考：《河南師范大學》2015年碩士論文

【摘要】：2008年,國家金融危機對世界各國的經(jīng)濟發(fā)展產(chǎn)生了重要的影響,雖然經(jīng)濟復(fù)蘇的形勢越來越樂觀,但至少證實了金融對于經(jīng)濟發(fā)展具有重要的作用。隨著改革開放的深入,民間金融也逐漸活躍,它為中小企業(yè)的發(fā)展提供了資金保障,彌補了國家正式金融的不足。但因缺乏法律規(guī)制,民間金融的風險也逐漸顯露,甚至對地域經(jīng)濟和社會安定也產(chǎn)生了不利的影響。為此,國家采用刑法進行嚴厲打擊,使得民間金融的發(fā)展處于有發(fā)展需求但又難以充分發(fā)揮其優(yōu)勢的尷尬境地。如何因勢利導,運用法律的手段,保障民間金融積極發(fā)揮的作用,同時盡最大努力避免風險的發(fā)生成為今后經(jīng)濟發(fā)展面臨的重要問題。民間金融是與國家金融相對應(yīng)的,是游離于國家正式金融之外的融資制度。民間金融主要表現(xiàn)在它具有一定的地域性、靈活性和市場性。對民間金融風險控制的必要性以及目前我國民間金融風險控制體系存在的監(jiān)管和法律問題進行論述。國家金融來源于民間金融,它是民間金融高度組織化、成熟化的階段,并且被國家所認可的形態(tài)。民間金融之所以成為學者熱議的話題,就是憑借著自身靈活性的優(yōu)勢,為快速發(fā)展中的經(jīng)濟注入新的活力,尤其是對中小企的發(fā)展,作用尤為明顯。但同時,民間金融的風險也給自身帶來生存的尷尬,這就使得民間金融風險的監(jiān)控成為必要性。擠兌時間的發(fā)生、非法集資案件頻發(fā)等使國家通過刑法予以打壓。而這就是因為國家與法律對民間金融地位的不承認,法律制度的不完善,造成了合理的民間金融無法受到保護,受損的利益不能得到彌補。本文通過運用比較法的視角,系統(tǒng)介紹了德國、美國、法國、日本和我國臺灣地區(qū)的民間金融法律規(guī)制制度,為我們提供在原則、立法以及風險控制上的的參考。第四章,在之前論證基礎(chǔ)上,提出完善我國民間金融風險控制的法律制度設(shè)想。首先是要堅持六個基本原則,并以此為基點,構(gòu)筑一個完整的法律體系。其次是在立法上要體現(xiàn)六項原則,要重視各個法律部門之間的協(xié)調(diào),不致刑法調(diào)整過重,要合理劃分范圍。再次是構(gòu)筑以政府監(jiān)控為主,以自律協(xié)會監(jiān)控為輔的監(jiān)管制度。最后是建立和完善其它配套制度,包括征信機制與糾紛解決機制等,以適應(yīng)靈活發(fā)展的形勢。
[Abstract]:In 2008, the national financial crisis had an important impact on the economic development of all countries in the world. Although the situation of economic recovery is becoming more and more optimistic, it has at least proved that finance plays an important role in economic development. With the deepening of reform and opening up, private finance is also gradually active, it provides financial guarantee for the development of small and medium-sized enterprises, and makes up for the lack of national formal finance. However, due to the lack of legal regulation, the risk of private finance is gradually revealed, even to the regional economic and social stability has a negative impact. Therefore, the country adopts criminal law to crack down severely, which makes the development of private finance in the awkward situation of development needs but difficult to give full play to its advantages. How to make good use of the law to protect the role of private finance and try our best to avoid the occurrence of risks becomes an important problem in the future economic development. Folk finance is corresponding to national finance, and it is a financing system outside the state's formal finance. Private finance is mainly manifested in its regional, flexibility and market. This paper discusses the necessity of private financial risk control and the supervision and legal problems existing in our country's private financial risk control system. National finance comes from folk finance. It is a highly organized and mature stage of folk finance, and is recognized by the state. The reason why folk finance has become a hot topic among scholars is to inject new vitality into the rapid development of economy, especially for the development of small and medium-sized enterprises, with the advantage of flexibility. But at the same time, the risk of private finance also brings the embarrassment of survival, which makes it necessary to monitor the risk of private finance. The occurrence of the time of the run and the frequent occurrence of illegal fund-raising cases make the state suppress it through the criminal law. This is because the state and the law do not recognize the status of private finance, the legal system is not perfect, resulting in reasonable private finance can not be protected, damage to the interests can not be compensated. From the perspective of comparative law, this paper systematically introduces the legal regulation system of folk finance in Germany, the United States, France, Japan and Taiwan, which provides us with reference on principle, legislation and risk control. Chapter four, on the basis of previous argumentation, puts forward the assumption of perfecting the legal system of non-governmental financial risk control in our country. First, we must adhere to the six basic principles, and build a complete legal system. Secondly, it is necessary to embody the six principles in legislation, pay attention to the coordination among various legal departments, avoid the excessive adjustment of criminal law, and reasonably divide the scope. The third is to build a regulatory system based on government monitoring, supplemented by self-discipline association monitoring. Finally, it is necessary to establish and perfect other supporting systems, including credit investigation mechanism and dispute resolution mechanism, in order to adapt to the situation of flexible development.
【學位授予單位】：河南師范大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.28
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本文編號：2111231