本文選題：民間借貸 + 規(guī)范化��； 參考：《河南科技大學(xué)》2013年碩士論文

【摘要】：我國(guó)的民間借貸歷史悠久，從西周開始發(fā)展了幾千年，如今在我國(guó)覆蓋范圍廣、市場(chǎng)容量大，已成為金融市場(chǎng)中不可缺少的一部分。但是，我國(guó)的民間借貸市場(chǎng)還存在著諸多的不規(guī)范問(wèn)題，2011年一系列民間借貸糾紛案件的發(fā)生，使越來(lái)越多的學(xué)者和社會(huì)人士開始關(guān)注民間借貸規(guī)范化的問(wèn)題。民間借貸市場(chǎng)資金容量大、交易門檻低、交易便捷，對(duì)正規(guī)金融體系形成了很好的補(bǔ)充作用，因此，如何規(guī)范民間借貸市場(chǎng)對(duì)我國(guó)的金融市場(chǎng)發(fā)展和經(jīng)濟(jì)發(fā)展有這著重大意義。 本文的主要結(jié)構(gòu)和內(nèi)容如下。首先，從現(xiàn)代契約理論和制度變遷理論兩個(gè)方面解釋了民間借貸行為的產(chǎn)生激勵(lì)，隨后對(duì)我國(guó)民間借貸行為的種類和特點(diǎn)進(jìn)行了闡述，并總結(jié)出了我國(guó)的民間借貸存在的利率制度、經(jīng)營(yíng)組織不規(guī)范、風(fēng)險(xiǎn)控制力弱、法律缺位、容易被非法活動(dòng)利用方面的問(wèn)題。 溫州的金融改革試點(diǎn)為民間借貸行為的規(guī)范化提供了探索方向，此外，國(guó)際民間借貸市場(chǎng)的成功經(jīng)驗(yàn)也提供了很好的范本。每個(gè)國(guó)家的歷史傳統(tǒng)、經(jīng)濟(jì)環(huán)境不同，民間借貸市場(chǎng)的形態(tài)也不一樣，，但是，成功建立起一個(gè)規(guī)范的民間借貸市場(chǎng)所必備的元素都是一樣的。筆者認(rèn)為，對(duì)民間借貸行為的規(guī)范化問(wèn)題，本質(zhì)上是體制建立的問(wèn)題，只有在一個(gè)合理的體制下，才能夠有效約束主體的行為。因此，本文最后從宏觀政策態(tài)度、市場(chǎng)結(jié)構(gòu)以及監(jiān)管方法三個(gè)層次提出建議。首先，政府應(yīng)當(dāng)采取積極鼓勵(lì)的態(tài)度，同時(shí)完善法制、自由利率、明確監(jiān)管主體；其次，可以借鑒美國(guó)和德國(guó)的經(jīng)驗(yàn)，采用層級(jí)式市場(chǎng)結(jié)構(gòu)，輔助外部審計(jì)和信息披露平臺(tái)；最后，具體的監(jiān)管措施包括注冊(cè)備案制、風(fēng)險(xiǎn)監(jiān)測(cè)、保險(xiǎn)機(jī)制等。
[Abstract]:Our country has a long history of folk lending, which has been developed for thousands of years since the Western Zhou Dynasty. Now it has become an indispensable part of the financial market because of its wide coverage and large market capacity. However, there are still many non-standard problems in the private lending market in our country. The occurrence of a series of private loan disputes in 2011 makes more and more scholars and social people begin to pay attention to the standardization of private lending. The private lending market has large capital capacity, low transaction threshold and convenient transaction, which is a good supplement to the formal financial system. Therefore, how to standardize the private lending market is of great significance to the development of financial market and economic development of our country. The main structure and contents of this paper are as follows. First of all, from the modern contract theory and the theory of institutional change to explain the emergence of private lending behavior incentives, and then the types and characteristics of folk lending behavior in China are expounded. It also summarizes the problems of the interest rate system of our country's folk loan, the non-standard management organization, the weak risk control, the absence of the law, and the problem of being easily used by the illegal activities. The experiment of financial reform in Wenzhou has provided the exploration direction for the standardization of the private lending behavior, in addition, the successful experience of the international private lending market has also provided a good model. The historical tradition and economic environment of each country are different, and the form of private lending market is also different. However, the elements necessary for the successful establishment of a standardized private lending market are the same. The author believes that the standardization of folk lending behavior is essentially a problem of the establishment of a system, and only under a reasonable system can the behavior of the subject be effectively restrained. Therefore, this paper puts forward suggestions from three levels of macro policy attitude, market structure and supervision method. First, the government should take a positive attitude to encourage, at the same time perfect the legal system, free interest rate, clear regulatory body; secondly, we can learn from the experience of the United States and Germany, adopt a hierarchical market structure to assist the external audit and information disclosure platform; Finally, the specific regulatory measures include registration system, risk monitoring, insurance mechanism and so on.
【學(xué)位授予單位】：河南科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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