民间借贷忧思

发布时间：2018-08-11 16:25

【摘要】：民间借贷已成为我国民间融资问题中不容忽视的重中之重,直接或间接地反映出社会管理、法律秩序、公平正义等诸多重大社会问题。尤其在司法审判中,民间借贷纠纷更是凸显了法律、法规与政策的交叉与冲突,导致民间借贷因缺乏稳定的政策、制度支持而纠纷频发,难以息诉。在民间借贷的过程中,由于缺乏当事人间的信用和交易的互动而断裂,提高了交易成本,扩大了交易风险,降低了经济效益。为有效防止民间借贷中的诸多问题,使民间借贷纠纷止于诉讼之前,当务之急应当首先规范全国统一的《民间借贷合同范本》,如此,既能厘清诉讼双方当事人的诉求,又能减轻当事人的举证负担,使民间借贷在初始阶段便有规范的约束。与此同时,亟待通过司法解释来阐明实体法中各相关部门法的衔接,厘清程序法中各相关规则的运用,划清法律法规与行政规章、地方立法、民俗习惯之间的关系,使之形成具备接地气的锁链功能。
[Abstract]:Non-government lending has become the most important issue in our country's folk financing problems, which directly or indirectly reflects many important social problems, such as social management, legal order, fairness and justice, and so on. Especially in the judicial trial, the civil loan disputes highlight the intersection and conflict of laws, regulations and policies, resulting in the lack of stable policy, system support and frequent disputes, difficult interest litigation. In the process of private lending, the lack of credit and transaction between the parties broke down, which increased the transaction cost, expanded the transaction risk and reduced the economic benefits. In order to effectively prevent many problems in private lending and to stop disputes over private lending before litigation, the urgent task is to first standardize the unified "Model Folk loan contract" in the country. In this way, the demands of both parties to the lawsuit can be clarified. It can lighten the burden of proof of the parties, and make the folk loan have the standard restriction in the initial stage. At the same time, it is urgent to clarify the connection of relevant departments and laws in substantive law through judicial interpretation, clarify the application of relevant rules in procedural law, and clarify the relationship between laws, regulations and administrative regulations, local legislation, folk customs, etc. So that it has an approachable chain function.
【作者单位】：北京大成(沈阳)律师事务所;沈阳市中级人民法院;
【基金】：辽宁省法学会2014年调研课题“民间借贷诉讼临界——辽宁民间融资规范化研究”(LNFXH2014B002)(主持人:孙长江)
【分类号】：F832.4

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