重构我国民间借贷利率管制标准的实证研究

发布时间：2018-08-20 14:28

【摘要】：民间借贷是我国金融市场的重要组成部分,其以旺盛的生命力有效地推动了我国非国有经济的发展,是一种对中国经济增长积极有效的融资机制。而民间借贷利率则是整个民间借贷市场运行的关键因素,亦是民间借贷体系的核心指标,因此正确地引导民间借贷的利率水平就至关重要。然而,在民间借贷市场日益发展的今天,其利率管制上限标准仍为1991年最高院制定的“四倍银行同类贷款利率”,这一标准从制定的科学性和运行的有效性上都受到了一定的质疑,亟待进行修正。为此,本文以我国民间借贷利率管制标准的重构为主体,以实证为基础探索民间借贷利率管制的合理标准及修正建议。具体而言,本文第一部分主要介绍民间借贷利率管制的基本理论。该部分首先对民间借贷利率的基本含义及重要性进行论述,其次分别从法律的自由价值、经济效率价值、社会效率价值三个方面探讨了利率管制的必要性,最后对域外和我国的民间借贷利率管制路径进行了细致的分析,并进一步确认直接设置上限标准是最为适宜我国的路径,同时也指出,虽然在路径上我国的管制方向基本合理,但标准的设定却未能发挥有效的作用,需要进一步修正。第二部分是实证分析民间借贷的利率现状及影响因素。该部分先梳理了影响民间借贷利率的理论因素,并提炼出九个理论上会影响民间借贷利率的指标,分别是借款主体、借款用途、借贷期限长短、借款紧急程度、借款数额、正规金融贷款利率、区域经济发达程度以及物价指数。在此基础上,笔者对从判决书中提取的437样本进行了实证分析,通过一系列统计分析,发现了“四倍”管制标准确实与现实情况存在偏离,并进一步证明实际借贷中只有借贷用途、借贷紧急程度和借款期限对民间借贷利率的影响较为显著。第三部分是民间借贷利率管制标准的重构。该部分以实证分析结果为基础,提出设定一个全国范围内通用的固定数值上限标准的管制路径更为合理,在此前提下,笔者详细论证了新的上限标准的选择,在结合了平均借贷利率,80%分位数以及法律中的二八定理后,提出40%是较为适宜的上限标准。最后结语。该部分主要总结了全文的研究思想及存在的不足,并提出将量化方法运用到法学研究中是一种尝试,也希望本文所做的尝试能为民间借贷利率的规制提供一定的参考。
[Abstract]:Folk lending is an important part of Chinese financial market, which promotes the development of non-state-owned economy effectively with its vigorous vitality, and is an active and effective financing mechanism for China's economic growth. The private lending interest rate is the key factor of the operation of the whole private lending market and the core index of the private lending system, so it is very important to correctly guide the level of the private lending interest rate. However, with the development of the private lending market today, the upper limit of interest rate control is still "four times the interest rate of the same kind of bank loan" set by the Supreme Court in 1991. This standard has been questioned in terms of its scientific nature and operational effectiveness, and needs to be amended. Therefore, this paper takes the reconstruction of the regulation standard of the private lending interest rate as the main body, and explores the reasonable standard and the amendment suggestion of the private lending interest rate regulation on the basis of empirical evidence. Specifically, the first part of this paper mainly introduces the basic theory of private lending interest rate regulation. This part first discusses the basic meaning and importance of private lending interest rate, and then discusses the necessity of interest rate control from three aspects: the free value of law, the value of economic efficiency and the value of social efficiency. Finally, the paper makes a detailed analysis of the path of the non-government loan interest rate regulation abroad and our country, and further confirms that the direct upper limit standard is the most suitable path for our country, and also points out that although the control direction of our country is basically reasonable in the path, However, the standard setting has failed to play an effective role and needs further revision. The second part is the empirical analysis of private lending interest rate status and influencing factors. This part first combs the theoretical factors that affect the private lending rate, and abstracts nine theoretical indicators that will affect the private lending rate, namely, the main body of the loan, the purpose of the loan, the length of the loan period, the degree of urgency of the loan, and the amount of the loan. Formal financial lending rates, regional economic development and price index. On this basis, the author makes an empirical analysis of 437 samples extracted from the judgment. Through a series of statistical analysis, it is found that the "four times" standard of control really deviates from the actual situation. It is further proved that there is only loan use in the actual loan, and the degree of loan emergency and the loan term have a significant effect on the private lending interest rate. The third part is the reconstruction of private lending interest rate regulation standard. Based on the results of empirical analysis, this part proposes that it is more reasonable to set a nationwide fixed numerical upper limit standard. On this premise, the author demonstrates in detail the choice of a new upper limit standard. After combining the average lending rate, the 80 quartile and the two-eight theorem in the law, it is proposed that 40% is the more suitable upper limit standard. The final conclusion. This part mainly summarizes the research ideas and shortcomings of the full text, and puts forward that it is an attempt to apply the quantitative method to the legal research, and also hopes that the attempt made in this paper can provide a certain reference for the regulation of the private lending interest rate.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.28

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