摘要
放贷人作为民间借贷的重要业务主体,以法律形式对其规制将使民间借贷的合法性得以确定,对解决中小企业融资困境与发展农村经济有着极其重要的意义。本文主要采用比较和规范分析的研究方法,通过国外(地区)放贷人的相关立法经验与特点的研习,并在此基础上分析我国放贷人立法之不足,最终从市场准入、经营机制、监管框架与借款人利益保护等方面提出完善我国放贷人法律规制的路径和制度。
Money lenders are important part of private lending.Legal regulation of money lenders will confirm the legitimacy of private lending,thus is of great significance in solving financing troubles of SMEs and developing rural economy.The article uses methods including comparison and normative analysis,learns from overseas legislative experience,analyzes the insufficiency in China＇s legislation of money lenders,and finally proposes paths and systems to improve legal regulation of lenders in China from market access,operating mechanism,regulatory framework and protection of borrowers.
出处
《上海金融》
CSSCI
北大核心
2011年第11期88-92,共5页
Shanghai Finance
基金
2010国家社科基金青年项目:新型农村金融组织的制度创新和监管法律制度研究
项目编号:10CFX052
陕西省社科基金项目:陕西农村民间借贷的制度创新与监管研究
项目编号:08F009
关键词
放贷人
市场准入
经营机制
自律性监管
借款人保护
Money Lender
Market Access
Operating Mechanism
Self-discipline Supervision
Protection of Borrowers
