我国民间借贷利率管制法治进路的检讨与选择

发布时间：2018-02-11 21:43

本文关键词： 利率管制高利贷金融抑制声音隔离　出处：《现代法学》2012年02期 　论文类型：期刊论文

【摘要】：现行以《关于人民法院审理借贷案件的若干意见》第6条为中心的民间借贷利率管制进路源于相关机构及法律50年来对民间金融的负面道德评价和金融抑制。该进路在上世纪90年代初曾制止了"金融三乱",但在当前民营经济与民间金融发展的背景下,其扭曲资金市场配置、导致逆向选择、妨碍竞争的缺陷日渐凸出,已成为民间金融发展的制度障碍。当前民间金融市场需求与管制进路之间产生了明显的声音隔离效应,而管制本身却仍在强化。我国未来的民间借贷利率管制法治进路应当主动摆脱对利息的道德偏见,构建以《放贷人条例》为核心的监管制度,推行分类引导、动态调整的民间利率管制体系,实现行政事前监管与事后司法监督的良性互动,以推动正规金融利率的市场化。
[Abstract]:The current path of private lending interest rate control, centered on Article 6 of the "opinions on the trial of loan cases by the people's Court", originates from the negative moral evaluation and financial suppression of private finance by relevant institutions and laws over the past 50 years. In -10s, the road stopped the "three financial chaos", but in the context of the current private economy and private financial development, It distorts the allocation of capital market, leads to adverse selection, and the defect of hindering competition is becoming more and more prominent, which has become the institutional obstacle to the development of private finance. At present, there is an obvious sound isolation effect between the demand of private financial market and the way of regulation. However, the regulation itself is still being strengthened. In the future, our country should take the initiative to get rid of the moral bias against interest and construct a regulatory system with the core of the "lender's regulations", and carry out the classification guidance. In order to promote the marketization of the formal financial interest rate, the dynamic adjustment of the private interest rate control system realizes the positive interaction between the administrative prior supervision and the afterwards judicial supervision.
【作者单位】：西南财经大学法学院;
【基金】：西南财经大学“211工程”三期建设项目“转型时期中国经济法律制度的重构与创新”(211D3T01) 教育部新世纪优秀人才资助项目“国家整体金融框架下的民间金融”
【分类号】：D922.28;F832.4

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