民间借贷法律规制研究

【作者】 杨鑫；

【导师】 张铁薇；

【作者基本信息】 黑龙江大学 ， 经济法学， 2014， 硕士

【摘要】 民间借贷对我国经济发展起到了至关重要的作用，是我国金融借贷的重要组成部分之一。由于中小企业从银行等正规金融机构难贷款，使得民间借贷越来越活跃，并引起了我国政府的高度重视，最高法院院长奚晓明在有关商事审判中的几个法律适用问题中，对于具有从事金融业务资质的企业之间借贷予以肯定；浙江省第十二届人民代表大会常务委员会通过的《温州市民间融资管理条例》认为因生产需要进行的临时性调剂民间借贷是合法的。以上关于我国民间借贷的最新政策，表明我国对解决规制民间借贷的问题进行了整体的改观和突破。目前有关民间借贷法律规制面临的问题主要有：我国还没有一部详细而统一的法律对于民间借贷进行规制，并且散见在其他法律规范中的有关民间借贷的规定不协调，对于民间借贷主体、利率和监管等问题规定笼统。结合我国现实发展情况以国外借鉴对以上问题提出解决方案：一，合理定位我国民间借贷行为并且尽快制定一部专门规范民间借贷的法律；二，对于民间借贷主体资格和利率等进行详细的规定；三，建立我国民间借贷监管机制，其中包括对于监管主体、监管原则、风险预测等方面进行完善。最终在我国形成民间借贷与银行等正规金融借贷相互协调发展，相得益彰，为促进我国经济发展贡献力量。更多还原

【Abstract】 Private lending which is an important part of China’s financial lendings, has playeda pivotal role on our economic development. The more and more active private lending,caused by the difficulty that small and medium enterprises making loans from banksand other formal financial institutions, has aroused the high attention of our government.Through the questions of the applicable law in commercial trial, Supreme CourtPresident Xi Xiaoming has affirmed lendings between the enterprises which hasengaged in financial business qualification. Folk financing management regulations ofWenzhou City, which elected by the12thPeople’s Congress Standing Committee ofZheJiang Province, considered temporary transfers of private lending due to the need ofproduction is legal. it showed that we have made overall improvement and breakthroughto solve the problem of regulating private lending. Current issues facing the legalregulation of private lending are as follow：first, we still have no a detailed and uniformlaw to regulate the private lending; then, private lending regulations scattered in otherlaws and regulations are inconsistent; and at the same time, it’s general for the issuesabout the main provisions of private lending, interest rates and regulatory and so on. theauthor propose the solution for above problems: the frist of all, we should position ourprivate lending behavior in reason, and enact a specifical law regulating private lendingas soon as possible; second, specify the qualification of private lending and interestrates in detail; third, establish of regulatory mechanism of private lending of our country.By that, we finally could make a coordinated development between private lending andbanks and other formal financial lending, then let it contribute to promoting China’seconomic development.更多还原