民间金融利率的法律规制  

Legal Regulations of Informal Finance Interest Rate

作　　者：黎洋[1] 

机构地区：[1]中央财经大学法学院,北京100081

出　　处：《行政与法》2017年第4期122-128,共7页Administration and Law

摘　　要：民间金融的法律规制必须是区分规制,不同类型的民间金融不能适用同样的法律规范制度。对民间金融的利率规制,同样适用这一原则。对于不同类型、不同目的、不同区域的民间金融利率规制应当有所不同。因此,应当区分简单形态、中间形态和复杂形态的民间借贷,区分生产性借贷和生活性借贷,设定不同的利率规则。如此方能鼓励多种形式的民间金融充分发展,使得资金的供求相对充分,让资金的提供方形成竞争,高利率自然就没有了生存空间。The legal regulations of informal finance must be differentiated regulation,and the same legal norm system cannot be applied to different types of informal finance.This is the same with the interest rate rule of informal finance. For informal finances of different types,different purposes and different regions,the interest rate rules should be different. Therefore,we should distinguish the informal finances of simple forms,from that of intermediate forms and complex forms;productive loans from living loans,and set different interest rate rules.Only in such a way can we encourage the full development of various forms of informal finances,make the supply and demand of financing relatively sufficient,let competition be formed among the providers of financing,so that there, is naturally no living space for high interest rates.

关 键 词：利率 法律规制 目的区分 类型区分 责任体系 

分 类 号：D922.28[政治法律—经济法学]