论我国民间借贷利率的法律规制——以新司法解释第26条为视角

发布时间：2018-03-09 17:18

本文选题：民间借贷　切入点：利率　出处：《法制博览》2016年30期 　论文类型：期刊论文

【摘要】：利率规制是民间借贷的核心问题,2015年8月6日,最高人民法院发布的《关于审理民间借贷案件适用法律若干问题的规定》中,有关民间借贷利率管制方面的内容就有了很大的突破,即制定了"两线三区"的复合型规则。年利率未超过24%的,为法定之债,可申请法院强制执行;年利率超过36%的,为"非法之债",超过部分的利息约定无效,借款人可请求出借人返还已支付的超过年利率36%部分的利息。从这一规定中我们可以看出最高人民法院勇于突破陈规、大胆创新的改革精神,但是规定中仍旧存在着一些问题。利率超过36%无效这一规定是不符合市场经济规律且不具有法律依据的,应该取消非法债务的规定。同时,要对长短期借款进行分类规制。从长远来看,"两线三区"还是应该回到"一线两区"。
[Abstract]:The regulation of interest rate is the core issue of private lending. In August 6th 2015, the Supreme people's Court issued some provisions on the application of law to private lending cases. There has been a great breakthrough in the control of interest rates on private lending, that is, the compound rules of "two lines and three zones" have been formulated. If the annual interest rate does not exceed 24%, it is a statutory debt and can be enforced by a court; if the annual interest rate exceeds 36%, For "illegal debt", the interest agreement over part of the loan is invalid, and the borrower may request the lender to return the interest paid in excess of 36% part of the annual interest rate. From this provision, we can see that the Supreme people's Court is brave enough to break the rules. Bold and innovative spirit of reform, but there are still some problems in the regulation. The regulation that the interest rate over 36% is invalid is not in accordance with the laws of the market economy and has no legal basis. At the same time, the regulation of illegal debts should be cancelled. In the long run, "two lines and three districts" should return to "first line and two districts".
【作者单位】：江南大学法学院;
【分类号】：D922.28

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