我国民间借贷规范化发展问题的研究.doc

摘要：在中国经济快速发展的这一大环境下，民间借贷呈现出一种飞速发展的趋势，对于民营经济在资源上的不足起到了有效的补充作用。但是因为中国对于金融业管制过严，法律体系仍旧不完善。民间借贷活动在实际运行过程中暴露出利率水平较高和存在高额利息的问题，容易导致刑事犯罪的产生，扰乱我国的金融市场秩序，容易引起经济纠纷等相关问题。这些民间借贷存在的问题阻碍了中国民间借贷的规范化发展，使得中国经济的健康发展受到制约，所以通过分析民间借贷的发展现状以及存在的问题，并采取相应的对策，将为民间借贷的规范化发展奠定了一定的基础。

　　　本文以民间借贷为研究主体，在描述民间借贷的理论基础以及国内外研究现状的基础上，分析了民间借贷的发展现状，存在的问题以及原因，并提出了相应的解决建议。全文主要分为四部分，第一部分主要阐述民间借贷的发展现状，分别从民间借贷的发展进程、规模、形式、资金来源与投向、利率水平等方面进行现状分析，为下面民间借贷存在问题奠定了基础。第二部分是我国民间借贷存在的问题，包括政府对民间借贷管制过严，民间借贷游离于正规金融体系之外，法律体系不完善，高利贷扰乱金融市场秩序，引发经济纠纷，不利于经济结构的调整等。第三部分是民间借贷的原因分析，包括其快速发展的原因分析以及存在问题和风险的原因分析。第四部分提出了民间借贷相关问题的解决的几点建议。

　　　总之，我们应该通过民间借贷存在的问题进行重点分析，并得出有关解决方案，采取不断完善法律法规制度，建立监督管理体制的等措施，使民间借贷能够快速健康的发展，从而促进我国经济的持续健康发展。

关键词：民间借贷；规范化发展；研究

ABSTRACT：Under the background of high-speed economic development in China, Private lending especially rapid development lending activities organized, Powerful added to private economy and rural economy in the lack of financial resources. because of China's strict control on the financial sector, legal system is not perfect. Informal lending activity in the process of actual operation exposed the interest rate is too high, easily becomes the criminal, disrupt the country's financial order, cause economic disputes and other issues. These problems seriously restrict the development of Chinese folk lending, more restricted the healthy development of China's economic balance, so that by studying the folk lending the existing problems, lay a foundation for the standardization of the folk lending in the future development is very necessary.

   Based on folk lending as the research subject, in the description of the folk lending, on the basis of theoretical basis and research status at home and abroad, analyzes the present development situation of folk lending, existing problems and reasons, and put forward the corresponding solutions are suggested. Full text mainly divides into four parts, the first part mainly elaborates the development of the folk lending situation, respectively from the development of the folk lending process, size, form, funding sources, and to analyses status quo, interest rates, etc, which laid a foundation for the folk lending problems. The second part is our country folk lending problems, including the government of folk lending control too strict, the folk lending to drift outside the formal financial system, imperfect legal system, usury, nor disturb the order of financial markets, economic disputes, is not conducive to the adjustment of economic structure, etc. The third part is the analysis of the causes of folk lending, including the reason of its rapid development analysis and the analysis of the causes of problems and risks. The fourth part puts forward the folk lending related to some Suggestions on the solution of the problem.

   In a word, we should through the determine of the classification of the folk lending, improvement of the system of liability qualitative and, information exchange platform construction, concrete measures to guarantee the establishment of effective regulatory system, make the folk lending can give full play to the positive effect, risk control, for the sustainable development of China's economic power.

Keywords: folk credit; standardized development; research

　　　民间借贷在我国的一些相关文件中并没有一个准确的定义，而现在法律体系偏向于保证国家金融业的秩序和安全，因此对于民间借贷的否定性的规定很多。民众对民间借贷并没有一种清晰的概念，很容易与非法吸收公众存款、非法集资、高利贷联想在一起。民间借贷一直处于一种模糊的地位，民间借贷很难与那些概念区分开，但是民间借贷并不是非法活动。通过对民间借贷对国家经济的影响分析，我们清楚地意识到民间借贷有其好的一面，也有其不好的一面。民间借贷的的积极影响是促进中国经济发展和金融业改革。“浙江的吴英非法集资”、“温州老板跑路”、“包头金利斌的自杀”三个案例对全国产生了很大的轰动，证明了了民间借贷存在的问题。针对中国现行民间借贷相关法律法规的归纳整理分析，可以发现其制度上存在的缺失。总之，我们应该通过民间借贷类型划分的确定，责任定性和责任制度的完善，建立监督管理体制，加强宣传力度，为民众普及法律知识等措施，使民间借贷能够快速健康的发展，从而促进我国经济的持续健康发展。