论民间借贷中高利贷的危害与法律规制

发布时间：2018-01-09 10:04

本文关键词：论民间借贷中高利贷的危害与法律规制　出处：《新视野》2012年02期 　论文类型：期刊论文

【摘要】：当前各地爆发的民间借贷危机,其重要祸魁就是民间借贷中的"高利贷"。然而我国学界对"高利贷"的认识却存在着分歧,对"高利贷"是"合法"还是"非法"也有着不同认识。事实上,我国的法律、法规及司法解释对此有明确规定,凡是符合国家法律规定的就是合法的民间借贷,违反有关规定的就属于非法。由于"高利贷"严重扰乱金融秩序、伤害民营实体经济、破坏民间资本运行的生态,因此必须予以严厉打击。与此同时,必须加强相关民间资本运行的立法,尤其是加强民间资本参与金融机构、民间资本市场准入、民间资本运行监督机制等方面的立法步伐,建立民间资本运行监管等有效机制。
[Abstract]:The current around the outbreak of the crisis of private lending, private lending is the most important Quebec in "usury". However, the understanding of "usury" I was there Ancient Chinese Literature Search differences of "usury" is "legal" or "illegal" also have a different understanding. In fact, China's laws, regulations and this judicial interpretation stipulates that those who comply with the laws and regulations of the country's legitimate private lending, in violation of the relevant provisions of the illegal. Because of "usury" seriously disrupt the financial order, damage the private economy, the destruction of the ecological folk capital running, therefore, must be severely punished. At the same time, we must strengthen the related operation of private capital the legislation, especially to strengthen the participation of private capital in financial institutions, the private capital market access, the pace of legislation of private capital supervision system, establish an effective mechanism of supervision and operation of private capital.

【作者单位】：北京联合大学应用文理学院法律系;北京联合大学首都法治研究中心;中国社会科学院法学所博士后流动工作站;
【基金】：北京联合大学北京市级重点建设学科“经济法学”建设科研项目(LDJIF01)
【分类号】：D923;F832.4
【正文快照】： 改革开放以来,随着生产力的解放,民间资本大幅聚积,对我国中小企业的发展和壮大起到了重要的促进作用。但由于民间资本所面临的行业壁垒和身份歧视,使民间资本的正常流动渠道和出路不畅,促使民间借贷成为民间资本运行的主要方式。近年来,为了应对金融危机和抑制通胀,国家实施

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