普惠金融视野下企业公平融资权的法律构造研究  

On the Legal Building of Corporations' Fair Financing Rights under the Inclusive Finance

作　　者：冯辉[1] 

机构地区：[1]对外经济贸易大学法学院,北京100029

出　　处：《现代法学》2015年第1期78-89,共12页Modern Law Science

基　　金：对外经济贸易大学中央高校基本科研业务费专项资金项目(14YQ10)

摘　　要：法律介入企业融资的正当性不在于难易,而在于公平。企业有权以各种正当、合法的方式融资,发展普惠金融要求确立公平融资权的立法理念并完善相应的法制建设。理念确立的关键是在公平、安全与效率等目标及原则间形成平衡,促进企业公平融资与银行信贷自主、政府金融监管之间的协调。法制建设的核心是对既有的金融体制做结构性调整,其中,商业性金融中的竞争性供给与贷款申诉机制、政策性金融的角色匡正、合作性金融的合理回归是当下促进企业公平融资权的迫切之需。The justification for the interference into corporations＇ financing by law is not difficult or easy to handle,but to handle it fairly. Corporations have the rights to finance with valid and legal ways,in that developing the inclusive finance demands the confirmation of the idea of fair financing right and the improvement of relevant laws. The key points for confirming to the idea are to get interest balancing among fairness,security and efficiency,and to get coordination among fair financing for the corporations,independent loan for the banks and financial regulation for the government. The key points for constructing systems are to adjust the finance framework,and the emergent approaches to promoting the fair financing right include： improving the competitive supplement and establishing loan review system in the market finance,reconstructing the role of policy financing,and reverting to the partnership finance with reasonable ways.

关 键 词：普惠金融 公平融资权 竞争性供给 贷款申诉 金融市场结构 

分 类 号：DF438[政治法律—经济法学]