我国当前民间借贷的特点、问题及其法律对策  

The Current Characteristics and Problems of the Informal Lending in China as Well as its Legal Countermeasures

作　　者：席月民[1] 

机构地区：[1]中国社会科学院法学研究所,北京100720

出　　处：《政法论丛》2012年第3期61-68,共8页Journal of Political Science and Law

摘　　要：我国当前民间借贷市场已经进入高级阶段,资金供需两旺,并具有迅速走红网络经济的发展趋势。然而,民间借贷相关立法滞后,市场监管缺位,司法主导突出,整个市场呈现出产生发展的内生化、投资主体的多元化、交易形式的电子化、法律规则的零散化、法律地位的尴尬化以及裁判结果依赖指导性解释等特征。民间借贷组织的主体地位问题、民间借贷合同的效力认定问题、民间借贷利率的法律管制问题、网络借贷平台的风险控制问题以及民间借贷交易的信息监测问题等日益突出,加强监管立法和监管机构主动执法,依法规范民间借贷行为,严厉打击高利贷,已成为金融生态建设中民间借贷法律规制的必然选择。In China, the current informal lending market has entered into the advanced stage, and the capital supply and demand are both flourishing in the market, with which the development trend of it goes rapidly popular in internet economy. However, due to the out-dated relevant legislation for informal lending, the absence of market su- pervision and the prominent role of judiciary in settling the disputes, the whole market embodies a series of charac- teristics, such as the endogeny of origin and development, the diversification of investors, the electronization of transaction form, the scatteredness of legal rules, the embarrassment of its legal status, and the judicial judgment re- lying much more on the guiding interpretation etc. In this case, the problems which are becoming more and more outstanding include the subjective status of private lending organizations, the determination of validity of private lend- ing contract, the legal regulation of the interest rate of informal lending, the risk control of network lending platform, and the information monitoring of transactions of informal lending. It is the inevitable choice for the legal regulation of informal lending in the construction of financial ecology to strengthen the supervision legislation and the active law enforcement of supervisor, to standardize the informal lending behavior according to law, and to crack down against the usury.

关 键 词：民间借贷 高利贷 市场监管 法律规制 放贷人条例 

分 类 号：DF522[政治法律—民商法学]