企业间民间借贷合同有效司法解释的法律评析

发布时间：2018-05-20 06:47

本文选题：民间借贷 + 企业　；参考：《湖南师范大学》2016年硕士论文

【摘要】：随着社会的进步,经济发展速度越来越快,经济规模也在不断扩大,企业间民间借贷现象变得更为频繁。越来越多的企业参与到民间借贷活动中来,谋生存求发展,其借贷金额也越来越大,企业间民间借贷俨然在成为一种常态。在当下的经济环境下,很大部分中小微企业及民营企业式微,很难从正式融资渠道获得资金,求助于企业间民间借贷显得更加便捷,才能让企业的经营活动得以维系。企业间民间借贷是除金融企业以外其它组织间相互借贷的行为活动。在我国,企业间民间借贷在很长一段时间内没有明确规定其合法性,企业间民间借贷合同多作无效认定,直到2015年8月最高人民法院发布《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》(以下简称《规定》),并于2015年9月1日起施行,使企业间民间借贷合法化,这是符合市场经济体制和新金融形势。因其有条件认可了企业间民间借贷合同的效力,所以本文称其为“企业间民间借贷合同有效司法解释”。《规定》肯定了企业间民间借贷合同的合法效力,明确了企业间民间借贷合同的有效要件,细化了企业间民间借贷合同的利率范围,为我国市场经济体制改革提供了许多有利条件。同时,《规定》也存在未限制企业间民间借贷合同的时间、未明确企业间民间借贷合同的数额、未合理区分不同的借贷对象、忽略了处罚性利息的价值等各方面的缺陷,因此应当通过设定合理的诉讼时间、重视守约企业的撤销权与抗辩权、建立登记备案制度、设置不同的借贷利率标准、明确分期履行的借贷合同的诉讼时效等方式,保证其更有效地发挥促进市场经济发展的作用。
[Abstract]:With the development of society, the economy is developing more and more rapidly, the scale of economy is expanding, and the phenomenon of folk borrowing between enterprises becomes more frequent. More and more enterprises participate in the private lending activities to seek survival and development, the amount of their loans is also increasing, inter-firm private lending has become a normal. In the current economic environment, a large number of small, medium and small enterprises and private enterprises decline, it is difficult to obtain funds from formal financing channels, it is more convenient to resort to private lending between enterprises, so that the business activities of enterprises can be maintained. Private lending between enterprises is the behavior of borrowing and borrowing among other organizations except financial enterprises. In our country, non-government lending between enterprises has not clearly stipulated its legitimacy for a long time, and inter-firm folk lending contracts are often found to be invalid. It was not until August 2015 that the Supreme people's Court issued the provisions of the Supreme people's Court on certain legal issues applicable to the trial of private lending cases (hereinafter referred to as "the regulations"), which came into effect on September 1, 2015, to legalize private lending among enterprises. This is in line with the market economy and the new financial situation. Because of its conditional recognition of the validity of the folk loan contract between enterprises, this paper calls it "the effective judicial interpretation of the folk loan contract between enterprises". This paper clarifies the effective elements of the folk loan contract between enterprises, refines the scope of the interest rate of the private loan contract between enterprises, and provides many favorable conditions for the reform of the market economy system in our country. At the same time, the stipulation also has the defects of not limiting the time of the folk loan contract between enterprises, not defining the amount of the folk loan contract between enterprises, not reasonably distinguishing different borrowing objects, neglecting the value of the penalty interest, and so on. Therefore, we should set up reasonable litigation time, attach importance to the right of rescission and defense of contract keeping enterprises, establish the system of registration and record, set up different standards of lending interest rate, define the limitation of action of loan contracts performed by stages, etc. To ensure its more effective role in promoting the development of market economy.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D923.6

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