民间高利贷规制的法理源流及制度变迁

发布时间：2018-06-11 19:37

本文选题：民间借贷 + 利率市场化　；参考：《政法论丛》2015年02期

【摘要】：如何规制民间高利贷,是长期困扰民间金融研究和相关立法的一个难题。在利率逐步市场化的今天,准确和深刻认识民间高利贷的法律规制问题,必须首先理清民间高利贷规制的法理源流和制度变迁,在理论发展与制度变迁的历史逻辑中寻找完善现有制度的实证材料。从契约自由到契约正义,从金融监管到放松监管再到金融消费者保护,经济形态的更替、民生状况的改善、经济安全的保障及理论思潮的转变,都是影响民间高利贷规制的基本因素。透过这些因素与民间高利贷法律规制变迁之间的内在联系可以发现,仅仅从法律本身很难深刻理解民间高利贷规制的历史逻辑和现实要求。契约自由与契约正义所保障的交易自由和公平,金融监管所强调的经济安全,以及消费者保护所支撑的市场经济持续发展的基础,都是民间高利贷规制变迁的内生要素。
[Abstract]:How to regulate private loan-sharking is a difficult problem in the study of folk finance and related legislation for a long time. With the gradual marketization of interest rate today, we must understand the legal regulation of private usury accurately and profoundly. We must first clarify the legal origin and institutional changes of the regulation of private usury. In the historical logic of theoretical development and institutional change, we seek the empirical materials to perfect the existing system. From contract freedom to contract justice, from financial supervision to deregulation to financial consumer protection, the replacement of economic forms, the improvement of people's livelihood, the protection of economic security and the transformation of theoretical trends of thought, All are the basic factors that affect the regulation of private usury. Through the internal relationship between these factors and the changes of the legal regulation of private usury, it is difficult to understand the historical logic and practical requirements of the regulation from the perspective of the law itself. The freedom and fairness of transaction guaranteed by freedom of contract and justice of contract, the economic security emphasized by financial supervision, and the foundation of sustained development of market economy supported by consumer protection are all the endogenous elements of the change of regulation of private usury.
【作者单位】：西南政法大学;中国人民银行研究局;
【基金】：2012年教育部哲学科学重大课题攻关项目“民间借贷与非法集资风险防范的法律机制研究”(12JZD038)的阶段性成果温州大学金融研究院基金重庆市两江学者专项计划经费资助
【分类号】：D922.28;D923.6

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