星云棋牌官网下载

    1. <form id='0o7ff'></form>
        <bdo id='0o7ff'><sup id='0o7ff'><div id='0o7ff'><bdo id='0o7ff'></bdo></div></sup></bdo>

            1. <form id='7gfz6'></form>
                <bdo id='7gfz6'><sup id='7gfz6'><div id='7gfz6'><bdo id='7gfz6'></bdo></div></sup></bdo>

                          <dfn id='8z00n'><optgroup id='8z00n'></optgroup></dfn><tfoot id='8z00n'><bdo id='8z00n'><div id='8z00n'></div><i id='8z00n'><dt id='8z00n'></dt></i></bdo></tfoot>

                          <ul id='8z00n'></ul>

                          • 学术堂首页 | 文献求助论文范文 | 论文题目 | 参考文献 | 开题报告 | 论文格式 | 摘要提纲 | 论文致谢 | 论文查重 | 论文答辩 | 论文发表 | 期刊杂志 | 论文写作 | 论文PPT
                            学术堂专业论文学习平台您当前的位置:学术堂 > 法学论文 > 法律论文 > 合同法论文

                            金融借款合同案件的特点、成因及对策

                            时间:2018-09-05 来源:科技与金融 作者:化剑霞,李筱 本文字数:2852字

                              摘    要: 近年来, 由于经济下行压力大, 部分借款人诚信意识不强, 使金融案件呈逐年上升趋势, 此类案件虽然胜诉率高, 但执行难度大。本文从近年来金融借款合同案件的特点入手, 分析该类案件存在的原因, 并提出相关的建议及对策。

                              1、引言

                              LINZEXIANXIANYOUQIJIAYINXINGYEJINRONGJIGOUZAIXIAQUNEISHEYOUFENZHIJIGOU,BAOKUONONGYEFAZHANYINXING、GONGSHANGYINXING、JIANSHEYINXING、NONGYEYINXING、NONGCUNSHANGYEYINXING、YOUCHUYINXING、GANSUYINXING。JINNIANLAI,YOUYUHONGGUANJINGJIHESHICHANGZHENGCEDIAOZHENGDEYINGXIANG,XINDAIFENGXIANJINYIBUJIADA,JINRONGJIEKUANANJIANJIZENG,QIEDUOSHUJUYOUSHEANBIAODEDA、CAICHANBAOQUANSHULIANGDUO、WENSHUSONGDANAN、SHENLIZHOUQIZHANGDENGTEDIAN。

                              2、金融借款案件的基本情况

                            星云棋牌官网下载   JINNIANLAI,SHOUGUONEIWAIJINGJIXINGSHIHESHICHANGZHENGCEDIAOZHENGYINGXIANG,TOUZIFENGXIANJINYIBUJIADA,YOUQISHIGEBIEYINXINGYEJINRONGJIGOUGUODUZHUIQIUXINDAIGUIMO,HUSHIXINDAIFENGXIANGUANKONG,JINRONGJIEKUANHETONGJIUFENANJIANCHENGXIANDAFUJIZENGTAISHI。

                              2.1、案件数量不断增多

                            星云棋牌官网下载   ZI2015NIANYILAI,LINZEXIANRENMINFAYUANSHOULIDEJINRONGJIEKUANHETONGJIUFENANJIANCHENGZHUNIANDIZENGDEQUSHI。QIZHONG,2015NIANSHOULI70JIAN,2016NIANZENGJIAZHI203JIAN,2017NIANZENGJIAZHI265JIAN,2018NIANZENGJIAZHI402JIAN。CONGYISHANGSHUJUFENXI,FAXIAN2018NIANLINZEXIANRENMINFAYUANSHOULIJINRONGJIEKUANHETONGJIUFENANJIANSHUSHI2015NIANDE4.74BEI,NIANJUNZENGFU79%,YUANGAOYUGAIYUANSHOULISUSONGANJIANPINGJUNZENGFU(GAIYUANTONGQISUSONGANJIANPINGJUNZENGFUWEI27%)。

                              2.2、涉案标的额巨大

                              2015NIAN,LINZEXIANJINRONGJIEKUANHETONGANJIANJIEANZONGBIAODEEWEI302.4WANYUAN,ANJUNBIAODEEWEI4.5WANYUAN;2016NIANZENGZHANGZHI1503.8WANYUAN,ANJUNBIAODEDA8.2WANYUAN;2017NIANZENGZHANGZHI3475.2WANYUAN,ANJUNBIAODEZENGZHANG13.1WANYUAN;2018NIANZENGZHANGZHI4460.9WANYUAN,ANJUNBIAODE15.2WANYUAN。CONGSHANGSHUSHUJUKEYIKANCHU,2018NIANJINRONGJIEKUANHETONGANJIANZONGBIAODEEYIDA2015NIANDE14.8BEI,ANJUNBIAODEYIWEI2015NIANANJUNBIAODEDE3.4BEI,SHEANZONGBIAODEEJIANJUNBIAODEJUNDAFUSHANGSHENG。

                              2.3、调撤比例较低

                              JINRONGJIEDAIANJIANJIEKUANFANGWEIYUEDUOSHUYINZIJINZHOUZHUANKUNNAN,WUNENGLIJIXULVYUE,EYIWEIYUEDEQINGKUANGBIJIAOSHAOJIAN,JIEKUANHETONGSUIJUEDADUOSHUYOUDIYAHUOBAOZHENGDANBAO,DANSHOUDANGSHIRENLVYUENENGLIZHIYUE,JIAZHIJIEKUANRENHUODANBAORENWAICHUDUOZHAIXIALUOBUMINGXIANXIANGJIAODUO,ANJIANXIANGJIAOYUQITALEIXINGSHANGSHIANJIANDIAOJIEKONGJIANJIAOXIAO,DIAOJIELVSHIZHONGWEICHIZAIJIAODIDEZHUANGTAI,QIEBUFENANJIANJISHIDIAOJIEJIEANDAOQIYEWUFALVXING。

                            金融借款合同案件的特点、成因及对策

                              3、金融借款合同案件的主要特点及成因分析

                              3.1、受经济环境影响大, 案件数量多、标的大

                              CONGBIAO1SHUJUKEYIKANCHU,CONG2016NIANYILAI,LINZEXIANRENMINFAYUANSHOULIDEJINRONGJIEKUANHETONGANJIANDAFUPANSHENG,QIZHUYAOYUANYINSHI2015NIANKAISHIJINGJIXIAXINGYALISHOUXIANFANYINGDAOGEYINXINGYEJINRONGJIGOUDEDUIWAIJIEKUANSHANG,2016NIANYIHOUYINXINGWEIQIJINRONGANQUANJIANGZIJINZHUANTOUXIANGXIAOWEIQIYEJIGERENZHUFANG、XIAOFEIDENGXIAOEDAIKUAN。ZHEIJIFANYINGCHULINZEXIANYINXINGYEJINRONGJIGOUDUIXIAOWEIQIYEFAZHANHEGERENCHUANGYEFANGMIANDEZIJINZHICHILIDUJINYIBUZENGDA,YOUTIXIANCHUYINXINGYEJINRONGJIGOUYINGDUIJINGJIXIAXINGDEWUNAIZHIJU。DANDANGDALIANGDEANJIANXUYAOFAYUANBANLISHI,“ANDUORENSHAO”DEMAODUNJIUGENGXIANTUCHULE。

                              表1 2015-2018年调撤案件比较
                            表1 2015-2018年调撤案件比较

                              3.2、涉案当事人“多头”借款频繁,联保、互保现象严重

                            星云棋牌官网下载   CONGLINZEXIANRENMINFAYUANSHOULIDEJINRONGJIEKUANHETONGANJIANSHUJUJINXINGFENXI,JIN5CHENGDEDANGSHIREN(FARENHUOZIRANREN)XIANGDUOGEYINXINGJIEKUAN。JUTONGJI,SHEANDANGSHIRENYOUYIBANZUOYOUCUNZAI“DUOTOU”JIEKUANDEQINGKUANG,JIDUOGEDANGSHIREN(FARENHUOZIRANREN)HUBAOLIANBAO,ZAIDUOJIAYINXINGFENBIEYIZIJIHUODANBAORENWEIZHUJIEKUANRENJINXINGJIEKUAN,XINGCHENGLERONGZHANGDEHUBAOLIANBAOLIANTIAO。ERHUBAOLIANBAODEJIEKUANDUOWEIXINYONGJIEKUAN,RONGZHANGDEHUBAOLIANBAOLIANTIAOJIYIZAOCHENGSUSONGFENGXIANTONGGUODANBAOLIANMANYAN,JUTILAISHUOYIDANHUBAOLIANBAOLIANTIAOZHONGDEMOUGEDANGSHIREN(FARENHUOZIRANREN)HAIKUANCHUXIANWENTIBEIYINXINGDENGJINRONGJIGOUQISU,QIGUANLIANDEDUOGELIANBAODANBAORENYEHUISHOUDAOSUSONGQIANLIAN,XINGCHENG“DUOMINUOGUPAI”XIAOYING,YANZHONGDESHENZHIHUIYINGXIANGDANGDIJINRONGZHIXUHEJINGJIFAZHAN。

                              3.3、案件送达难度大,案件审理周期长

                            星云棋牌官网下载   JINRONGJIEKUANHETONGLEIANJIANYUANGAOYINXINGYEJINRONGJIGOUHEBEIGAOZHIJIANMEIYOUSHENFENSHANGDEGUANXI,JIAZHIBUFENYINXINGYEJINRONGJIGOUXINDAIRENYUANGUANLIHUNLUAN,QIANDINGHETONGDESHIHOUBUNENGRENZHENHESHIJIEKUANRENDEJIATINGZHUZHI、JINGCHANGJUSUODIJILIANXIFANGSHI,ERSHIJINJINDENGJILEHUJISUOZAIDI,ZAIJIEKUANHOUYOUBUBAOCHITONGJIEKUANRENDELIANXI,ZHISHIJIEKUANRENZHANGQICHUYU“SHILIAN”ZHUANGTAI。DUIGAILEIJINRONGJIEKUANHETONGANJIAN,YIBANBEIGAORENSHUBIJIAODUO,ANJIANSONGDANANDUDA,QIEZHIYAOYOUYIGEDANGSHIRENWUFAZHENGCHANGSONGDAJIUBIXUCAIYONGGONGGAOSONGDADEFANGSHIJINXINGSONGDA,SHIJINRONGJIEKUANHETONGANJIANZHONGYINBEIGAOXIALUOBUMINGDEXUYAOCAIQUGONGGAOSONGDADEANJIANZHANGAILEIANJIANDE70%ZUOYOU,DAOZHIDABUFENSHISHIQINGCHU、FALVGUANXIMINGQUEDEJINRONGJIEKUANHETONGANJIANXUSHIYONGPUTONGCHENGXUJINXINGSHENLI,SHENLIZHOUQIJIAOZHANG,ZENGJIALEYINXINGYEJINRONGJIGOUDESUSONGCHENGBEN。QIEJINRONGJIEKUANHETONGANJIANSHEJIYINXINGDAIKUANSHENPIDENGZHUDUOHUANJIE,JISHIBEIGAOCHUTINGBIAOSHIXIWANGDIAOJIE,YINXINGDUIYUBENJIN、LIXI、FAXI、HAIKUANQIXIANDENGTIAOJIANSHENPILIUCHENGZHANG、KEDIAOJIEKONGJIANXIAO,TONGCHANGYINXINGYEJINRONGJIGOUZAIJINXINGDIAOJIESHIHUISHEDINGDUOGETIAOJIANXIABUTONGDEHAIKUANFANGSHI,FENQIHAIKUANTONGCHANGYEWUFAQUEDINGMEIQIJUTIHAIKUANJINE。

                              4、应对当前金融借款合同纠纷案件的对策和建议

                              4.1、完善社会信用体系建设

                            星云棋牌官网下载   GEJIZHENGFUYAOJIJILUOSHIXIANGGUANZHIZE,DATONGGELINGYU、GEXINGYEZHIJIANDESHUJUBILEI,SHIXIANXINYONGSHUJUHUTONGYOUWU,YOULITUIDONGSHEHUIXINYONGTIXIJIANSHE。TONGSHI,HELISHIYONGXINYONGXINXI,JIADADUISHIXINRENYUANDECHENGJIELIDU,BUDUANTIGAOQUANSHEHUIDECHENGXINYISHI。

                              4.2、金融机构要强化风险防范意识

                              YISHITIGAOYINXINGXINDAIRENYUANDEZONGHESUZHI,YANGEZHIXINGFENGXIANFANGKONGZHIDU,ZHENGBENQINGYUAN,CONGYUANTOUSHANGDUJUEJINRONGJIEKUANANJIANJIUFEN。ERSHIJINRONGJIGOUYAOJIJIPEIHEFAYUANGONGZUO,PEIBEIZHUANYESUZHIGAODEFALVSHIWURENYUAN,ZHUANRENFUZEJINRONGANJIANZHIXINGWEIQUANGONGZUO。DUIYUYOULIYUANJIANZHIXINGDEXINXIANSUO,YAODIYISHIJIANXIANGFAYUANTIGONG,ZHENGQUANJIANSHENLIDEZHUDONGQUAN,JIJIPEIHEFAYUANDEZHIXINGGONGZUO。

                              4.3、加强沟通联系,建立联动机制

                              YISHIJIJIZUZHIXIEDIAOZHAOKAIJINRONGSHENPANGONGZUOZUOTANHUI,GULIYINXINGYEJINRONGJIGOUDUIFAYUANJINRONGSHENPANGONGZUOTICHUYIJIANJIANYI,TUIDONGJINRONGSHENPANGONGZUOJINYIBUZUOSHIZUOXI。ERSHIWEILEBIANYUYINXINGYEJINRONGJIGOUYUFAYUANDEGOUTONG、XIEDIAO,JIANYIJIANLIJINRONGSHENPANGONGZUOLIANXIRENZHIDU,JINYIBUJIADAYINXINGYEJINRONGJIGOUYUFAYUANDESHENPANGONGZUOLIANXI。SANSHIZHUDONGZOUFANGYINXINGYEJINRONGJIGOUHEQIYE,JIJIKAIZHANJINRONGJIFALVZHISHIXUANCHUAN,ZHENDUIFANGFANJINRONGFENGXIAN,TICHUQIESHIKEXINGDEYIJIANJIANYI,BAOZHANGJINRONGSHICHANGJIANKANGYOUXUFAZHAN。

                              4.4、重视执行工作,维护金融生态环境

                              RENMINFAYUANYINGJIAQIANGDUIJINRONGJIEKUANHETONGANJIANDEZHIXINGLIDU,CHONGFENLIYONGZHIXINGCHAKONGXITONG,DUIBEIZHIXINGRENCAICHANJINXINGCHAZHAOHESHI,JIEZHUDASHUJUFENXIJISHUDUIJUBUZHIXINGSHENGXIAOPANJUEDEBEIZHIXINGRENCAIQUYIDINGDEQIANGZHICUOSHI,LIANHEQITABUMENKAIZHANLIANHECHENGJIE,JIANGQILIERUSHIXINBEIZHIXINGRENMINGDAN,ZONGHELIYONGDIANSHI、BAOZHI、GONGJIAODIANSHIDENGDUOZHONGMEITISHOUDUANXIANGSHEHUIGONGKAISHIXINBEIZHIXINGRENXINXI,BAOZHENGZHIXINGGONGZUOSHUNLIJINXING,NULIGOUJIANCHENGSHISHOUXINDESHICHANGJINGYINGHUANJINGHEJINRONGSHENGTAIHUANJING。

                              4.5、加强金融法制宣传,提高民众防范借贷风险意识

                              TONGGUOJINRONGZHISHIXUANCHUANLAN、PUFAXIAOCEZI、XIANCHANGDAYI、YAOQINGFAYUANGONGZUORENYUANYIANSHUOFADENGXINGSHIPUJIJINRONGJIEKUANFENGXIAN,JIJICHUANGXINLIYONGGONGJIAOGUANGBO、WANGLUODIANSHI、WEIXINGONGZHONGHAODENGTUJINGRANGGUANGDASHIMINCHONGFENLEJIEXIANGGUANFALVZHISHIYIJIJIEDAIBUHAIDEFALVHOUGUO,BANGZHUSHIMINSHULIZHENGQUEDEFALVYISHI、FENGXIANYISHIHECHENGXINYISHI,YINDAOSHIMINLIXINGXIAOFEIHETOUZI,JIANSHAOJIEDAIJIUFENDEFASHENG。

                            星云棋牌官网下载   GEJIZHENGFUYAOJIJILUOSHIXIANGGUANZHIZE,DATONGGELINGYU、GEXINGYEZHIJIANDESHUJUBILEI,SHIXIANXINYONGSHUJUHUTONGYOUWU,YOULITUIDONGSHEHUIXINYONGTIXIJIANSHE。TONGSHI,HELISHIYONGXINYONGXINXI,JIADADUISHIXINRENYUANDECHENGJIELIDU,BUDUANTIGAOQUANSHEHUIDECHENGXINYISHI。

                              参考文献

                              [1]赵以邗.金融风险防控的认识论与方法论[J].武汉金融, 2017 (06) :4-8.
                              [2]魏佳.隆回县农村金融机构发展问题与对策的研究[J].长沙:中南林业科技大学, 2014.

                              化剑霞,李筱.对金融借款合同纠纷案件的问题研究[J].科技与金融,2019(08):67-69.
                              相近分类:法律事务毕业论文
                              • 成都网络警察报警平台
                              • 公共信息安全网络监察
                              • 经营性网站备案信息
                              • 不良信息举报中心
                              • 中国文明网传播文明
                              • 学术堂_诚信网站

                              百胜棋牌---首页_欢迎您 百灵拼三张-Welcome 蓝洞棋牌官网送3金币---首页_Welcome 035棋牌手游官网 亲朋棋牌官方下载完整版-首页