民间借贷存在的法律问题及立法建议  

Legal Problems and Suggestions Existing in Private Lending

作　　者：余艳清[1] 

机构地区：[1]福建江夏学院法学院,福建福州350108

出　　处：《闽江学院学报》2014年第4期63-69,100,共8页Journal of Minjiang University

基　　金：2012年福建省教育厅科研项目(JB12330S);2012年福建江夏学院科研项目(2012C002)

摘　　要：民间借贷在一定程度上满足了部分市场主体的融资需求,成为正规金融的有益补充。但民间借贷的立法滞后及现有法律规定的自相冲突、监管不到位等现实问题,使民间借贷在发挥积极作用的同时也存在不少弊端。有关部门应尽快修改相关的法律法规,制定专门的商事性民间借贷法律规范,只有通过建立商事性民间借贷放贷人准入制度、有条件地承认企业之间借贷的合法性、对民间借贷利率的管制及民间借贷的监管主体的构建,才能使民间借贷市场朝着健康有序的方向发展。Private lending meets the needs of the partsbeneficial supplement of formal finance. But the laws andof the market to some degree, becoming theregulations about private lending exist con-flicts and lags behind the social practice, and what＇ s more, because of the strict controls and otherpractical difficulties result in the folk lending also exists many defects, although it plays a positive rolein the society. So we should amend the relevant laws and regulations as soon as possible and make spe-cial commercial borrowing legal norms. Only through the establishment of commercial borrowing lend-ers access system, conditionally admitting the lending legitimacy between enterprises, controlling thefolk lending interest rate and constructing private lending regulatory body, can we make the privatelending market develop and orderly and healthily.

关 键 词：民间借贷 利弊分析 法律规范 立法建议 

分 类 号：D922.282[政治法律—经济法学]