论我国经济发达地区民间借贷的发展与规制——以江苏为实证分析样本  

On the Supervision of Private Lending in China Developed Areas:Projects of Jiangsu as an Analysis Sample

作　　者：胡智强[1] 余冬梅[1] 

机构地区：[1]南京审计大学法学院,江苏南京211815

出　　处：《审计与经济研究》2016年第4期113-120,共8页Journal of Audit & Economics

基　　金：江苏省教育厅重点课题(2012ZDIXM021)

摘　　要：经济发达地区民间借贷的发展具有复杂性和先行性,出现了很多规避法律和监管的结构化创新。研究经济发达地区民间借贷法律规制可以从具有代表性的客观对象中概括可取的经验,以提炼普遍性的规则,解决制度与监管的不足,保证社会的稳定发展。融资性民间借贷是现代民间借贷的常态,应当立足商法和经济法思维,坚持营业自由、过程性规制的理念,以信息披露、登记制度、利率和借贷担保为重点进行分类规制。The development of private lending in China developed areas is complex and antecedent. In the process of development appeared many structural innovations to evade the legal system of supervision. Research on regulations of private lending in the developed areas can generalize desirable experiences from typical objects,which can extract universal rules to cover shortages of system and regulation,ensuring the stability and development of society as well. Financing private lending is the new normal conditions of modern private lending and should become the focus of regulation. To regulate in this field,we should adhere to the commercial legislation thinking and the concept of business freedom and procedural regulation. Focus on the key classification regulation,such as information disclosure,registration system,interest rate and loan guarantees,is a must.

关 键 词：金融监管 民间借贷管制 民间高利贷规制 金融创新 资金监管 非正规金融 民事借贷 商事借贷 

分 类 号：F830.5[经济管理—金融学]