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| 民间借贷法律问题研究 摘 要 随着改革开放的不断深入，我国社会主义市场经济也在蓬勃发展。民间借贷以其自身灵活的方式，手续简便，贷款门槛较低的特点，能够满足人民的资金需求受到人民青睐；得益于近几年互联网与移动支付的普及，民间借贷的形式也在不断变化。民间借贷作为国家规定的正规金融的补充，的确能够在民众的日常生活发挥着举重若轻的作用。但由于我国民间借贷在发展过程中，治理中心偏向于银行等正规金融行业的规范，对于民间借贷的监管还略有不足，前期引发出了一系列比如高利贷、诈骗、非法吸纳公众存款等影响社会秩序的问题。随着民法典出台及其配套司法解释修改并适用，意味着民间借贷又迈进了规范的一步。本文就民间借贷的现状及其依旧存在问题入手，总结梳理出当今民间借贷法律法规的变化以及从监管治理问题层面发现民间借贷的不足之处，就我国法律规范以及制度层面提出完善的补充，让良法善治指引民间借贷理性发展。 关键词：民间借贷；民刑交叉；网络借贷 Abstract With the deepening of reform and opening up,China's socialist market economy is also developing vigorously. With its features of flexible methods,simple procedures and low loan threshold, private lending can meet people's demand for funds. Thanks to the popularity of the Internet and mobile paymentin recent years, private lending has been growing in scale. Private lending as a supplement to the formal financial stipulated by the state,does an airy role in People's Daily life,but because our country folk lending in the process of development,management center to Banks and other formal financial industry norms, for private lending also slightly less than that of the early to develop a series of such as usury, fraud, illegal absorbing public deposits affect social order problems. With the promulgation of the Civil Code and the modification and application of its supporting judicial interpretations, private lending has stepped forward to standardize. Starting with the current situation and existing problems of private lending,this paper summarizes and sorts out the changes in laws and regulations of private lending today and finds the shortcomings of private lending from the perspective of supervision and governance problems. In addition, it puts forward perfect supplements from the legal norms and institutional aspects of China,so that good laws and good governance can guide the rational development of private lending. Keywords: Private lending; Civil punishment cross; Lending to the network 目 录 摘 要 I Abstract II 目 录 III 一、绪论 1 （一）研究背景 1 （二）研究意义 1 （三）国内外的研究现状 1 1.国外的研究现状 2 2.国内的研究状况 2 （四）研究方法 3 1.文献资料法 3 2.历史考察法 3 3.比较研究法 4 二、民间借贷的概述 5 （一）民间借贷概念 5 （二）民间借贷的特点 5 （三）民间借贷纠纷可能诱发的风险 6 1.民间借贷纠纷与非法吸收公众存款罪 7 2.民间借贷纠纷与套路贷 7 3.网络民间借贷 7 三、我国民间借贷法律规制现状 10 （一）立法现状 10 1.民法典相关规定 10 2.地方性法规相关规定 10 2.司法解释相关规定 11 （二）司法现状 13 四、民间借贷存在问题及其完善建议 15 （一）民间借贷法律法规尚不完善 15 （二）民间借贷监管不到位 15 1.监管主体不明确 15 2.行业自律不充分 15 （三）对民间借贷的完善建议 16 1.完善立法与制度建设 16 2.完善民间借贷监管体系 16 3.进一步完善我国征信系统 17 参考文献 18 致 谢 20 |
