整体性安排理论下的民间融资法律制度完善
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摘要
整体性安排理论认为,法律只是众多市场治理机制中的一种,它与非法律机制是既分工又协作的关系,共同构成市场治理复合体。我国民间融资乱象折射出的法律治理失灵,是由于法律制度不完善导致市场治理复合体异变为单一法律治理、法律治理领域错位、法律与非法律机制内在价值冲突等原因造成的。有效发挥法律在民间融资市场治理中的作用,需要转变单一法律治理观念,为非法律机制治理提供空间,构建法律与非法律治理复合体;合理确定法律治理领域,促进法律与非法律治理分工协作关系的形成;以自由重构法律制度,使之与非法律治理机制的价值取向一致。
According to holistic governance theory, law, as one of the numerous market governance systems,forms a relationship of labor division and cooperation with other non-legal mechanisms so that all the mechanisms constitute the market governance complex. The failure of legal governance reflected by the private financing chaos in China is caused by such factors as improper application of legal governance in some fields, the contradiction of inherent value between legal and non-legal mechanisms, and market governance complex being reduced into depending on legal governance alone due to incomplete legal system.In order to give law a full play in private financing governance, it is necessary to provide space for the governance of non-legal mechanisms and build a complex of legal and non-legal governances by giving up the conception of depending on legal governance alone;it is also necessary to define legal governance field and promote the formation of a relationship of labor division and cooperation between law and non-legal governance; legal system should be reconstructed based on freedom conception so that its value orientation is consistent with non-legal governance mechanisms.
According to holistic governance theory, law, as one of the numerous market governance systems,forms a relationship of labor division and cooperation with other non-legal mechanisms so that all the mechanisms constitute the market governance complex. The failure of legal governance reflected by the private financing chaos in China is caused by such factors as improper application of legal governance in some fields, the contradiction of inherent value between legal and non-legal mechanisms, and market governance complex being reduced into depending on legal governance alone due to incomplete legal system.In order to give law a full play in private financing governance, it is necessary to provide space for the governance of non-legal mechanisms and build a complex of legal and non-legal governances by giving up the conception of depending on legal governance alone;it is also necessary to define legal governance field and promote the formation of a relationship of labor division and cooperation between law and non-legal governance; legal system should be reconstructed based on freedom conception so that its value orientation is consistent with non-legal governance mechanisms.
引文
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[5]洛克.政府论(下)[M].叶启芳,译.北京:商务印书馆,1964.35.
[6]青木昌彦.比较制度分析[M].周黎安,译.上海:上海远东出版社,2001.89,90.
[7]谷岳飞.“穷人银行”盐城试水陷进退两难[N].新京报,2015-11-24(A14).
[8]曹庆.“百乐福”笑纳血汗钱投资人愁对血本无归[N].新安晚报,2015-10-27(A04).
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[10]郭戈.六家小额贷款公司试点资格被取消[N].河南日报,2018-1-10(11).
[11]陈莹莹.P2P平台紧锣密鼓进行合规整改[N].中国证券报,2017-11-20(3).
[12]曾祥龙.“飓风2号”重创地下钱庄犯罪涉案金额逾460亿[EB/OL].http://www.gdga.gov.cn/jwzx/jsyw/201703/t20170321_787661.html,2017-3-21/2018-5-2.
[13]徐超.6亿标会崩盘始末[N].华夏时报,2015-05-25(13).
[14]胡建兵.民间借贷呈职业放贷特征须高度警惕[N].中国商报,2017-08-31P02.
[15]李进.省城现职业放贷人一人最多借出两亿[N].安徽商报,2015—5—8(09).
[16]邱润根.金融权利视角下民间金融的法律规制[J].法学论坛,2015(2):84-90.
[17]青木昌彦.比较制度分析[M].周黎安,译.上海:上海远东出版社,2001.80.
[18]哈耶克.哈耶克文选[M].冯克利,译.南京:江苏人民出版社,2007,56.
[19]钱弘道.民间融资:契约精神与理性规制[J].社会科学战线,2013,(1):197-205.