【作者】 王辉；

【导师】 毕金平；

【作者基本信息】 安徽大学 ， 法律， 2012， 硕士

【摘要】 随着市场经济的深入发展和金融管制的放开,我国民间借贷市场异常活跃,民间借贷机构纷纷建立。民间借贷机构对我国社会经济的发展贡献突出,极大地弥补了正规金融体系的不足,促进了民营企业特别是民营中小企业的发展。然而长期以来,我国一直缺乏对民间借贷机构的监管,特别是民间借贷机构的市场准入制度尚未建立,民间借贷活动存在着很大风险,一定程度上影响了金融市场的稳定。本文主要从四部分进行论述我国民间借贷机构的市场准入制度：第一部分民间借贷机构市场准入制度的一般分析。主要分三段,分别介绍了我国民间借贷的概念和类型、民间借贷机构的界定以及建立民间借贷机构市场准入制度的必要性。第二部分主要介绍部分发达国家和我国台湾地区民间借贷机构的市场准入制度,主要有美国、德国、日本以及我国台湾地区。第三部分主要论述我国民间借贷机构市场准入制度的不足,具体表现在：我国民间借贷机构市场准入法律体系不健全、市场准入门槛降低,潜在风险加大、市场准入制度设计缺陷,如主体资格、注册资本、业务准入三方面缺陷。第四部分针对我国民间借贷机构市场准入制度存在的缺陷,提出了完善民间借贷机构市场准入制度的建议,如完善我国民间借贷市场准入法律体系、差异建立差异化的市场准入标准,降低风险、明确市场准入主体资格、严格规范执行市场准入注册资本制度、严格执行业务准入制度等。更多还原

【Abstract】 As the market economy deeply developed and less financial controlled, china’s private lending market is extremely active, private lending institutions have been established. The contribution of private lending institutions to the development of China’s social economy is outstanding, and it has greatly made up for the lack of formal financial, promoting the private enterprises, especially the development of small and medium-sized private enterprises. But for a long time, our country has been lacking special laws and regulations of private lending to provide supervision and guidance, thus making private lending activities risky, while it greatly affects the stability of the financial markets.This thesis discourses the market access system of the private lending institutions mainly from four parts, that is:The first part tells us of the general analysis of the market access system of private lending institutions. It was mainly divided into three parts. Namely, the concepts and types of private lending, the definition of private lending institutions and the establishment of the market access system of private lending institutions.The second part introduces the private lending institutions market access system in some developed countries and Taiwan, China. Mainly include the United States, Germany, Japan, and China’s Taiwan region.The third part discusses the deficiencies of the market access system of private lending institutions. The specific performance are the lack of legal system in market access of private lending institutions, the market access threshold to reduce the potential increased risk;the design of the market access system flaws defects, such as three of the main qualifications of the registered capital, business access.Part IV, we presented the recommendations to perfect the market access system of private lending institutions for the defects of private lending institutions, such as improving the legal system of China’s private lending market, making different market access standard of private lending institutions and reduce the risk, clearing the main body of market access, strictly regulate the implementation of market access to the registered capital system, and strictly enforce the business access system.更多还原