【作者】 陈永林；

【导师】 解亘；

【作者基本信息】 南京大学 ， 法律（专业学位）， 2013， 硕士

【摘要】 进入21世纪以来,随着改革开放的深入和经济的快速发展,频频发生因借贷关系、地下钱庄等引发的案件,这些案件不仅仅严重扰乱了市场经济的秩序,同时也扰乱了正常的司法裁判的秩序。像吴英案、孙大午案等案件,都在国内引起了广泛争论。对于民间借贷来说,从现实的借贷案例中,我们发现法律规制还存在许多不足。民间借贷必须要加以调控,而其中调控的重点就在于民间借贷利息的调控。那我国民间借贷利率法律的适用中存在哪些问题,又应当如何解决呢?民间借贷是银行金融体系的正规借贷的重要补充,对于中小企业资金支持起着重要的作用,然而我国立法对于民间借贷的规范并不完整详实,而这些案件在司法实践中,许多规范到具体案件运用时的争议比较大,使得标准不一,对正常的司法裁判提出了挑战。这种不确定性对于我国的民间借贷良性发展反而成为了一个很大的阻碍。国内目前司法实务对于民间借贷利率法律规制的态度倾向严格,但效果并不好,只能针对个案进行处理,没有系统思考深层次的原因。对民间借贷利率的研究具有重要的现实意义,首先,对中小企业的长远发展的意义。因为在银行无法提供足够的支持的情况下,中小企业需要资金支持,而民间借贷的融资方式与中小企业之间存在着较为紧密的联系,属于非国家干涉的范围,所以必定有效的解决中小企业的燃眉之急。其次,对民间借贷合理的发展具有重要意义。有效的控制利率高低,不仅减少诉讼数目,而且有利于当事人双方的定纷止争。最后,对国家建立长效的多层次借贷市场和社会的和谐有着更为重要的意义。合理的发展民间借贷可以使不同需求,不同级别,不同还款能力的各类企业找到合适的借贷方式。同时对于挤压高利贷、地下钱庄和抑制高风险的投机行为也有着重要的意义。本文是基于民间借贷的一个问题——利率的法律适用为核心展开讨论。首先是对于民间借贷以及民间借贷利息方面的情况作一个简单论述,接着是对我国现阶段的对于民间借贷的利率的法律规定做一个系统梳理,并提出其中的缺点和不足,然后是对其中最为核心的利率在司法适用中的问题所产生的争议焦点展开论述,包括民间借贷利率的上限规定的探讨、超过法律上限的利息在司法实践中应当如何认定、民间借贷中复利问题、未约定利息如何判定、企业拆借利息的探讨等。接着对域外有关民间借贷利率的法律法规做一简单介绍,作为我国民间借贷利率的借鉴,也希望对我国民问借贷的未来发展有所帮助。最后一部分是对于未来民间借贷利率发展趋势,以及我国民间借贷利率中司法完善方面提供一些合理的建议和看法更多还原

【Abstract】 Since the beginning of the21st century, with the deepening of reform and opening up and rapid economic development, there is a lot of cases happening due to the lending relationship, underground banks. These cases not only seriously disrupted the order of the market economy, but also disrupted the normal administration of justice order, like the case of Wu Ying. the case of Sun Dawu. These have aroused widespread controversy in the country. For private lending, from the reality borrowings case, we find that the legal regulation is still many deficiencies. Private lending must be regulated, and the focus of regulation is that the regulation of private lending interest. What are the problems that Chinese private lending interest rates in the application of the law? How to solve it?Private lending is an important supplement to the regular borrowing of the banking system, which plays an important role in SME financial support.,However, there is not complete and detailed specifications for private lending in the Chinese legislation. These cases are in judicial practice in many specifications to the controversial use of specific cases. Many specifications has different results, so that it has different standards, The referee presents a challenge. This uncertainty for the sound development of China’s private lending turned out to be a big obstacle. Domestic judicial practice strict attitudes toward legal regulation of private lending interest rates, but the effect is not good, only for the case to be processed, no systems thinking deeper reason.Private lending interest rates have important practical significance. First of all, it has the significance of long-term development of SMEs. The bank is unable to provide adequate support, SMEs need financial support, and there is close contact between the financing of private lending and SMEs, part of the non-state interference range. So it must be effective solutions to SME immediate need. Secondly, the rational development of private lending is important. Effectively control the level of interest rates, not only to reduce the number of lawsuits, but also conducive to the parties Mediating contention. Finally, the state established a long-term multi-level lending market and social harmony has a greater significance. Reasonable development of private lending can make the different needs of different levels, different repayment ability of enterprises of all types to find the right lending. Extrusion usury, underground banks and suppression of high-risk speculation is also of great significance.This paper is based on a problem on private lending----the laws of the interest rate application as the core discussion. The first is the case of private lending and private lending interest for a simple discussion, followed by China’s current regulation of private lending interest rates to make a comb, and put forward the shortcomings. And then for one of the most central topic on the interest rates discusses the problems in the judicial application of disputes arising out of focus, including the discussion of the limits of the private lending interest rates which is above the legal interest in judicial practice;how to identify the interest above the law; the problem on the private lending compound interest; I hope to provide some foreign private lending interest rates as a reference, to be helpful for the future development of China’s private lending. The last part is to provide some reasonable suggestions and views for the future of private lending interest rate trends, as well as China’s private lending interest rates judicial perfect.更多还原