文献类型：期刊文献

中文题名：我国民间借贷规制法律问题研究

英文题名：Research on the Legal Issues in China's Private Lending Regulations

作者：蔡宏伟[1]

第一作者：蔡宏伟

机构：[1]定西师范高等专科学校政史系,甘肃定西743000

第一机构：甘肃中医药大学定西校区

年份：2015

卷号：28

期号：2

起止页码：70

中文期刊名：南京理工大学学报（社会科学版）

外文期刊名：Journal of Nanjing University of Science and Technology：Social Sciences

收录：国家哲学社会科学学术期刊数据库

语种：中文

中文关键词：中小企业;民间融资;民间借贷;金融垄断

外文关键词：small and medium enterprises; private financing; private lending; financial monopoly

摘要：民间借贷是中小企业融资的主要方式,对我国实体经济贡献巨大。对我国民间借贷进行立法规制和监管具有必要性和可行性。我国民间借贷规制中存在未能体现融资公平、适度竞争等原则,缺乏促进经济发展原则和民间借贷风险控制等原则的规定,立法数量少且法律位阶低,监管主体不明确,监管范围及如何规制不确定等法律问题。应当对民间借贷的概念加以界定;明确规制和监管原则;加强立法进行规制;明确监管主体;明确监管范围等以提高监管效率。
As the main way of financing for small and medium enterprises in China,private lending makes great contribution to China＇s real economy. It is now necessary and feasible to set up regulations to supervise private lending. Legal problems related to private lending include lack of fair financing opportunities and proper degree of competition,as well as lack of measures to boost economic development and to control private lending risks. Few legislations have low legal hierarchy,unclearly defined supervising subjects,supervision scopes and supervision measures. The scope of private lending must be clearly defined,together with the regulation and supervision principles. Legislation must be strengthened with regards of the supervision subjects and their corresponding supervision scopes,so as to improve supervision efficiency.