高利贷治理的关键

发布时间：2018-05-11 11:43

  本文选题：高利率 + 借款人　； 参考：《中国金融》2015年07期

【摘要】：正"高利贷"专指民间主体之间出借资金收取高额利息的行为,其核心是高利率,不同时期的高利率判断标准存在差异。当前,一般把利率超过中国人民银行所确定的同期、同类型贷款基准利率4倍的借贷界定为"高利贷"。长期以来,"高利贷"在帮助部分借款人解决短期资金流转问题的同时,也使一些借款人陷入了债务深渊;在给部分出借人带来丰厚利息收益的同时,也使其游走在灰色地带的相关行为更具风险性,有些出借人甚至因此身陷牢狱。因"高利
[Abstract]:"usury" refers to the behavior of collecting high interest rate by lending funds between private subjects, the core of which is high interest rate, and there are differences in judging standard of high interest rate in different periods. At present, it is generally defined as "usury" by lending at four times the benchmark interest rate of the same type of loan over the same period as determined by the people's Bank of China. For a long time, "usury" has helped some borrowers solve the problem of short-term capital flow, but also caused some borrowers to fall into debt abyss. It also makes it riskier to wander in grey areas, with some lenders imprisoned. Because of "high profit"
【作者单位】： 中国人民大学;国家检查官学院法学博士后流动站;中国人民银行营业管理部;
【分类号】：D922.28;F832.4
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本文编号：1873808