导　　师： 朱晔

学科专业： 030105

授予学位： 硕士

作　　者： ;

机构地区： 广东外语外贸大学

摘　　要： 民间借贷在补充正规金融供给不足、推动经济发展方面起到了促进作用，但也存在一系列负面影响。我国法律规制存在零散化和相互冲突，严格的利率和放贷人范围管制不仅没有打压民间借贷的发展，反而愈演愈烈，不断攀升的民间资金规模和温州“跑路”潮，凸显了民间借贷的法律风险和社会风险。规范发展民间借贷，应当反思我国民间借贷的法律体系，加强协调性和统一性，同时构建合理的监管机制和配套制度。 国内外法律体系尚没有对民间借贷做出准确的定义，笔者认为民间借贷是指那些脱离官方金融机构监管之外的自然人、法人和其他经济组织之间的资金借贷行为。区分民事性民间借贷和商事性民间借贷，才能有效的对影响更广的商事性民间借贷进行重点规制。分析不同经济体国家对民间借贷的放贷主体资格管制和最高利率设定的相关规定，笔者认为结合我国当前的国情及金融体制改革的政策背景，允许自然人职业经营放贷及放开部分企业间资金拆借是大势所趋。清理与民间借贷有关的法规，制定《放贷人法》，完善监管体系并构建相应的配套制度，共同为民间借贷规范化保驾护航。 Informal credit played a significant role in supplementing the insufficient supplyof formal financial and promoting economic development. But there are a series ofnegative effects. Trivializes situated and mutual conflicts exist in our Chinese legalregulation. Strict interest rate and the range of lenders control not only suppress thedevelopment of informal credit, on the contrary, it become even fiercer. The risingscale of private capital and the 'run' of Wenzhou highlight the informal credit havelegal risk and social risk. In order to standardize the development of the privatelending, we should rethink the legal system of our country's informal lending.Strengthen the coordination and unity, at the same time; build reasonable supervisionmechanism and supporting system. Both domestic and foreign country’s legal system haven’t made a precisedefinition of informal credit, I think the informal credit is refers to those out of thesupervision of official financial institutions，that borrowing money between naturalpersons, legal persons and other economic organizations. Distinguish between civilprivate lending and commercial private lending can effectively influence thecommercial private lending on regulation. Analysis the relevant provisions of subjectqualification of informal credit and the highest interest rate set by differenteconomies,I thinks that under the think of China's current national conditions andpolicy background of the financial system reform, to allow a natural person to makeprofessional lending business and let go of part of the money lending betweenenterprises is the trend of the times. Clean the related laws and regulations of informalcredit carry out the act of informal credit, perfect regulation of supervision system andbuild the corresponding supporting system, common for informal credit’sstandardization.

关 键 词： 民间借贷 形成机制 完善建议

分 类 号： [D923]

领　　域： [政治法律] [政治法律]