民间借贷利率的法律调整

【作者】 杨晶；

【导师】 孙毅；

【作者基本信息】 黑龙江大学 ， 法律硕士（在职）（专业学位）， 2016， 硕士

【摘要】 民间借贷作为社会融资的主要手段之一,在市场经济的发展中起着举足轻重的作用。民间借贷的核心问题是民间借贷利率,在1991年最高人民法院颁布的《关于人民法院审理借贷案件的若干意见》(以下简称《1991年意见》)对民间借贷利率进行了一定的规定,但是随着我国经济的高速发展,《1991年意见》已经不能有效地适用于将近25年以后的借贷行为。因此,2015年9月1日起施行的《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》(以下简称《民间借贷的司法解释》)为新时期下民间借贷纠纷案件的解决提供了更加科学、合理、与时俱进的裁量尺度。该文共分3个部分,分析阐述民间借贷利率法律调整的现实和法律意义,并通过纵向历史分析和横向域外民间借贷利率规制模式的对比分析,讨论得出更加科学合理、行之有效的民间借贷利率法律调整模式。第一部分阐述民间借贷的一般理论,通过分析民间借贷的性质提出民间借贷利率的法律调整的经济价值与法律意义。第二部分通过横向对比分析域外民间借贷利率法律的立法模式与经济发展模式,试图更加科学合理、更有利于经济发展的民间借贷利率法律调整方式。第三部分综合分析我国现行民间借贷利率调整法律的立法与实践问题,探寻更加适合我国现行经济发展利率法律调整模式,并为利率监管机制的建立与完善提出可行性方案建议。更多还原

【Abstract】 As one of the main means of social financing,private lending plays an important role in the development of market economy.Private lending rate is the core problem of private lending,in a number of opinions on the people’s court case lending in 1991 promulgated by the Supreme People’s court "(hereinafter referred to as the" opinions "on 1991)private lending rates of certain provisions,but with the rapid development of China’s economy," 1991 "has been unable to effectively apply in the nearly 15 years after the lending behavior,therefore,since September 1,2015 the implementation of the" Supreme People’s Court on Several Issues concerning the trial of civil borrowing cases applicable law "(hereinafter referred to as the" judicial interpretation "of private lending)and timely solution to the stiff meaning and backward folk lending legislation,provides more scientific and discretionary scale reasonable and keeping pace with the times in order to solve the new period of private lending disputes.This paper is divided into 3 parts,expounds the folk lending rate to the legal adjustment of reality and legal significance of the detailed analysis,and through the comparison of historical analysis and horizontal foreign private lending rate regulation pattern analysis,discussed the interest rate of private lending legal adjustment model is more scientific and reasonable and effective.The first part describes the general theory of private lending,through the analysis of the nature of private lending,the economic value and legal significance of the legal adjustment of private lending interest rates.The second part is the analysis of the folk lending rate in foreign legal regulation legislation mode and mode of economic development through horizontal comparison,interest rate of private lending legal adjustment way of trying to become more scientific and reasonable,more conducive to economic development.The third part of the comprehensive analysis of China’s current civil loan interest rates to adjust the legislative and practical issues,to explore more suitable for China’s current economic development interest rate adjustment model.And to establish and improve the mechanism of interest rate regulation and put forward the feasible proposal.更多还原