摘要
近年来,由于我国市场经济的快速发展,人们对生活和生产方面的需求与日俱增,因此出现了当下我国商品市场和资金市场空前活跃繁荣的景象,导致了社会上各种民间借贷合同空前增多,但由于大多借贷合同的订立不是借助于专业人员之手,导致许多合同形式上不符合法律规定的生效要件、内容也不够具体规范甚至合同内容本身违反了法律和行政法规的强制性和禁止性规定;其次,由于我国社会诚信缺失,大多借款人不讲诚信、偿还能力差;再次,在国家层面上,我国目前信用监督制度不够健全,有关借贷方面的法律法规不够具体完善,因此就诱发了当下形形色色民间借贷纠纷。借贷纠纷的发生直接影响着人们的生活、生产的正常进行和社会秩序的稳定。针对民间借贷存在的各种法律风险,对其进行归纳总结并对其出现的原因进行抽丝剥茧的分析,最后就规避和预防民间借贷法律风险提出切实、有效的相关法律建议。
In recent years,due to the rapid development of market economy,people＇s demand for life and production grows increasingly. So that our country ＇s market of commodity and funds are unprecedentedly properous,which leads to the increase of private lending contract. Following reasons could lead to private lending contract dispute. Firstly,the contracts are usually not made by professionals,and items don＇t conform to laws. Secondly,there is a lack of integrity in society. Thirdly,laws about borrowing and lending are imperfect. Private lending disputes affect people＇s life,production and social stability. Aims at carious legal risks in private lending,this paper summarizes the reasons,and then gives asvices to prevent risks.
出处
《榆林学院学报》
2017年第1期84-89,共6页
Journal of Yulin University
基金
2016年度陕西省教育厅项目(16JK1885)
关键词
民间借贷
法律风险
风险防控
法律建议
private lending
legal risks
risks prevention
legal advices
