论民间借贷的规范化发展

华中科技大学硕士学位论文论民间借贷的规范化发展姓名：黄绍红申请学位级别：硕士专业：法律硕士指导教师：管斌2010-05-16IIIAbstractInformalfinanceisaverycomplexanddisputableproblem.Althoughithasmanydrawbackswecannotdenyitsvalueanditsexistence.InformalfinancebecomesmoreandmoreactivewiththeboostinChinaseconomy.Ontheonehand,theformoftheinformalfinanceisflexibleandprocedureissimple.Ontheotherhand,theinformalfinancemeetstheroutineoftradeandsocialpsychology.Informalfinancerelievesdifficultyforthefinanceofsmallandmediumenterprisesandimproveseconomy.Atthesametimeitsolvesthedeficiencyoftheformalfinance.Buttheinformalfinancehasmanydefects,suchasirregularityofmanagement,lackofriskmanagement,andsoon.Theinformalfinancebringsforwardnegativeeffectonthefinanceandmacro-controlefforts.Soithasmaterialisticsignificancetodiscussthestandardimprovement.Theinformalfinancehasdifferentformsandregionaldifference.Thisdissertationstudiesthelegalmeansforregulatingtheinformalfinancebytheuseofhistoricanalysiscaseanalysis,empiricalanalysisandnormativeanalysis.Thedissertationdefinestheconceptoftheinformalfinance.Firstly,thedissertationintroducestheevolutionoftheinformalfinanceofourcountryandconsidersthattheinformalfinancehasitsconsistency.Thedissertationexplainsthereasonsofexsistanceanddevelopmentoftheinformalfinancebyuseoftheasymmetricinformationtheory,transactioncoststheory,financialrepressiontheory.Secondly,onthebasisofrealitythedissertationbringsforwardthelegalplightoftheinformalfinance.Theplightisthedefinitionoflegalityandillegalityoftheinformalfinance,thechoicebetweenmarketizationandofficialityoftheinterestrate,andthecombinationofpowerandobligation.Finally,thedissertationthinksthattheauthorityshouldmakeandrevisetheconcernedlawsandregulations,applyandabidebythecustomlawfortheinformalfinanceinordertoregulateandimproveitsdevelopment.KeyWords:InformalFinance,IllegalFinancing,MaketizationoftheInterestRate,FinancialRegulation,RegulationfortheInformalFinance._____120042520019981907346002007226200520068123020200912182121[J].2002(11)4.[J].200825.[J].2008963196612115441.1.21231.2577197919756,2036100%891087849.[J].1990(3)7101.31.3.11088090111119962.12.4150092003618217167920032080001220036182171679200541724333.566.520061030300027.272.82007808802008303008090”1.3.212.[M].2005692004762082206110120310Germidisetal.(1991)FinancialSystemandDevelopment;WhatrolefortheformalandinformalsectorsParis:OECDDevelopmentCenter.111232070131413.[J].2006514200712.4200498112.62004674343.820043.81.312004378410.6200421222.115162.1.120102234.71.2200520081.217200320031015.[J].2009(3)16174.7()()()()202006199929620071334259.8101.2482.32122218[J].1986726200636238006136370058.30%9.24%380.11922.2.221%3540%8%10%50%100%2718%2810326l73.53%47.86%11.87%10.83%2.631.59.[J].2006(5)27[J].2004(2)22302.3.1313031.[M].20092762319921998199520031998322.3.2322007320093971300100200935.[M].20091982433342.3.333.[J].1998134.[M].2005166252008232.3.4122632733.13.1.12007310200811200943.1.22008100028353610002007300500065.3121.41.321.43536[J].200942930100120376199817637[J].2009130()200718170123838.[J].20091313.1.3100099%90%3939.[J].2009(4)323.23.2.11199642000200420102251485919964040()()()354(1990)(1996)2471998251999522475362007125120%10%10%423.2.212010342.[M].20099337432443454643.[J].2009144.[M].200931645.[M].2009286463843.33.3.1474847.[J].2004(3)48.[M].2008272394950513.3.249.[M].2002991005051.[M].200827240525352.[M].200827953.[M].199836836941424320079!44[1]...2009[2]..2008[3]..2007[4]..2009[5]..2007[6]..2009[7]..2010[8]..2009[9]..2001[10].21.,2002[11]..2005[12]..2008[13]..2007[14]..2007[15]..2006[16]..2009[17]..2009[18]..2009[19]..200945[20]..2008[21]..2008[22]..2007[23]..2006[24]..2006[25]..2008[26]..200916[27]..200915[28].:.2006[29]..2009(2)[30]..2008(9)[31]..2009(3)[32]..2009(1)[33]..2009(3)[34]..2009(5)[35]..2006(9)[36]..2006(3)[37]..2009(3)[38]..2009(7)[39]..2010(1)[40]..2008(2)46[41]..2006(5)[42]..20065[43]..20072[44]..2005(6)[45]..2009(2)[46]..2009(5)[47]..2009(4)[48]..2009(10)[49]..20091[50]..20097[51]19962[52]1997[53]1999[54]2007[55]2005[56]2005[57]2003[58]200823[59]20075[60](2009)47[61]JDVonPischke,DaleWAdamsandGordonDonald.RuralFinancialMarketsinDevelopingCountries.Australia,1983.[62]Dickie,PaulM.,“RuralBankinginEmergingAsianMarkets:LessonsforChina”,OECDParisConferencePaper2003.[63]Fiebig,Michael,“PrudentialRegulationandSupervisionforAgriculturalFinance”,FAOandGTZ,No.5,1999.[64]Fisher,L,1930,TheTheoryofInterest,NewYork:Macmillam[65]Granovetter,Mark,1973,TheStrengthofWeakTies,AmericanJournalofSociology.[66]Shaw,E.S.,1973,FinancialDeepeninginEconomicDevelopment,OxfordUniversityPress.[67]Adams,DaleW.an