金融危机背景下中国民间借贷二元化法律认定探析  

On the Analysis of Dual Legal Identification of Folk Credit's Validity in China under Financial Crisis

作　　者：贾清林[1] 

机构地区：[1]中国政法大学民商经济法学院,北京100088

出　　处：《学理论》2010年第27期142-145,共4页Theory Research

摘　　要：金融危机凸显民间借贷在国家经济生活中的重要性,而民间借贷二元化法律认定,即个人间和个人与企业间的民间借贷有效、而企业间民间借贷无效显然弊大于利;国家也在试图打破民间借贷二元化法律认定模式,探讨民间借贷合法化的方式和途径,但效果并不理想;金融危机形势下,企业尤其中小企业融资出现严重困难,而启动民间资本、放松金融管制成为克服这一困难的关键;如此,将民间借贷二元化法律认定调整为民间借贷完全合法的一元化认定并辅以相应法律法规的规范和监控制度的建设就成为必然的政策选择。金融危机既是挑战,也是机会,应利用这一契机比较彻底的解决民间借贷二元化法律认定的问题。The importance of folk credit was showed in whole economic life under financial crisis.The dual legal identification of folk credit's validity,which was that the folk credit between natural persons or natural persons and enterprises was valid and the folk credit between enterprises was void,evidently had more disadvantages than advantages.The financial supervising departments were trying to break the dual identification mode and researching lawful ways of folk credit.However,the effect was not very well.Under the circumstances of financial crisis,the operation of enterprises,especially small and medium ones,encountered serious difficulties,and the key to solve the problem was to initiate folk capital and loosen financial regulation.Hence there was no choice but to change the dual legal identification of folk credit into unitary legal identification,i.e.being total validity.The financial crisis is both the challenge and the opportunity,in which the problem of dual legal identification of folk credit's validity should be solved absolutely.

关 键 词：民间借贷 企业拆借 融资 金融危机 二元化法律认定 

分 类 号：D923.6[政治法律—民商法学]