我国高利贷行为的法律规制问题研究  

Research on Legal Regulation of Usury in China

作　　者：廉婧禹 陈婷媚 Lian Jing-yu;Chen Ting-mei(China Political Science and Law University,Beijing,100088 China)

机构地区：[1]中国政法大学诉讼法学院,北京100088 [2]中国政法大学,北京100088

出　　处：《西部公安论坛》2020年第1期58-63,共6页Journal of Western Public Security

摘　　要：高利贷是民间借贷的重要组成部分,在当前中国法律语境下其是指高于银行同期利率四倍以上的民间借贷。高利贷既对我国的经济发展和社会生活起到了一定的积极作用,但也存在消极性的一面,给社会和国家带来一定的危害。因此,我国的民事法律、行政法律和刑事法律均对高利贷进行了一定程度的规制。但现行的法律规制存在诸多问题,需要我们在反思和总结的基础上予以完善,从而能够形成合理的高利贷法律规制体系。Usury is an important part of personal loans.In the current Chinese legal context,usury means more 4 times higher than bank interest rate.Usury plays a positive role in our economic development and our social life,but brings certain harm to our society and our state.Therefore,there is civil law regulation,administrative law regulation and criminal law regulation on usury.But our current legal regulation of usury has some defects.We need to improve our law regulation system of usury on basis of reflection and summary.

关 键 词：高利贷 民间借贷 法律规制 

分 类 号：D92[政治法律—法学]