以房地产调控为视角论我国民间借贷监管法律制度构建  

On the Legal System Construction for the Private Lending Supervision from the Perspective of the Real Estate

作　　者：邱思萍[1] 

机构地区：[1]福建师范大学法学院,福州350007

出　　处：《北京工业大学学报（社会科学版）》2013年第4期48-52,共5页Journal of Beijing University of Technology (Social Sciences Edition)

摘　　要：在当前房地产严格调控的背景下,民间借贷资本的涌入在一定程度上削弱了政府对房地产市场的金融调控效应,同时蕴藏着巨大的风险。由于法律规则的滞后和监管制度的缺失,民间借贷游离于现有的金融监管体制。通过比较研究法分析,我国应借鉴香港和美国的成功立法经验,在主体资格、利率限制、合同效力和跨区经营等方面完善民间借贷立法,同时在现有的金融监管模式下构建民间借贷监管制度,以规制高风险,避免调控误差,推动房地产市场健康有序发展。Under the strict control of the current real estate, the private lending, to some extent, weakens the effect of the government financial regulation on the real estate market. At the same time, the private lending contains the great risk. Due to the lag of the rule of law and the absence of the regulatory regime, the private lending divorced from the existing financial regulatory system. Through a comparative analysis, this paper points out that, China should learn from the success of the legislative experience in Hong Kong and the United States and to improve the legislation in the aspects of the main qualification, interest rate restrictions, the validity of the contract, and trans-regional operations, etc. Meanwhile, China should build the regulatory system of the private lending in the current financial regulatory mode to regulate the risk and avoid the regulation error and promote the healthy and orderly development of the real estate market.

关 键 词：房地产调控 民间借贷 立法 监管制度 

分 类 号：D922.29[政治法律—经济法学]