文档介绍：分类号学校代码10542 密级学号201203010055 我国民间借贷法律规制问题初探 Preliminary legalregulation ofprivate lending issueS 研究生姓名曾召旦湖南师范大学学位评定委员会办公室二。一四年五月摘要民间借贷是民间资金运作的一种金融形式,与银行相比,民问借贷具有隐蔽性、高风险性。自经济危机以来,我国上调贷款利率, 导致了我国民间借贷规模迅速壮大,它对我国经济建设的影响已经不可忽视。但我国在政策上并没有对民间借贷予以重视,对民问借贷的立法和司法上也一直处于停滞状态,从这个角度可以看出我国民间借贷法律规制目前存在的~些主要问题,民间借贷的法律规制问题对我国经济建设与金融安全的影响引起了学界学者们的担忧。不过我国学术界对民间借贷的相关研究已经取得了丰富的成果,在域外更有成熟的相关制度可以值得借鉴,因此,对这些已经取得的成果继续进行丰富,对域外的成功经验迸行研究借鉴,以此来推动我国对民间借贷的立法规制是非常必要的。民间借贷对我国长远经济建设的影响是非常巨大的,推动民间借贷的法律规制是确保民问借贷能够为我国经济发展助力的重要方法。关键词:民间借贷;金融;法律 Abstract Private lending is a form of private capital finance operations. Compared with banks,private lending ismore hidden and high—risky. Since theeconomic crisis,China raisedlending rates,leading to arapid expansion ofthescaleofprivate impact on China's economic construction has not ,China did not pay attention to privatelending on thepolicy,legislation andjustice hasbeen at astandstill. From thisperspective,there exist SOlTle maj orproblems inprivatelending laws andregulations totheimpact ofthelegalregulation of private lending on China's economic construction and financial security, more scholars have been paying attention ,our academic research on privatelending hasgained great achievements,more extraterritorialrelatedsystems can be worth ,the results of thesehasbeen made toproceed with awealth essful experience extraterritorialconduct research reference,therefore,to promote China’S private lending forLegislation ofprivate lending on China'slong terlneconomic construction ishuge,promoting legalregulation is an important method to ensure thatprivate lending can help the development ofChina’Seconomy. Keywords:Private lending;financial;laws 目录摘要..?.?..?....??.?????..???I ABSTRACT?.........?.??..?.....??.??...工工引言..?.....?....?....?......?...?.....?.1 亏l苗..?.....?....?....?......?...?.....?.上第一章民间借贷的相关基础理论.??....????.....4 第一节我国民间借贷法律规制的发展历史?.....?........4 第