我国贷款人民事责任的探索与法制建构  

Exploration and Legal Construction of the Lender’s Civil Liability in China

作　　者：陈蓉[1] 郭艳 CHEN Rong;GUO Yan(School of Humanities and Social Science,Chang’an University,Xi’an 710064,China)

机构地区：[1]长安大学人文学院,陕西西安710064

出　　处：《河南科技大学学报（社会科学版）》2024年第2期42-49,共8页Journal of Henan University of Science & Technology(Social science)

基　　金：陕西省社科规划生态空间治理重点研究项目(20ST-221)。

摘　　要：在“碳达峰、碳中和”目标下,绿色信贷已经成为绿色金融发展的重要支柱,但当前我国绿色信贷法律制度并不完善,基础性的贷款人民事责任尚处于空白状态,具体的归责原则、免责事由及责任形态均不明晰。其成因主要在于我国贷款人民事责任归责理论仍在争议之中,适用传统的归责理论具有一定的局限性。我国贷款人民事责任的建构须以明确的贷款人归责理论为基础,贷款人的环境侵权行为实际上属于间接侵权,可在间接侵权理论下建构以过错责任为主的归责原则,增加不同场景应用下豁免事由并承担连带责任的贷款人民事责任。Under the goal requirements of“carbon peak and carbon neutralization”,green credit has become an important pillar of the development of green finance.However,the legal system of green credit in our country is not perfect,the basic civil responsibility of lender is still blank,and the specific principles of attribution,grounds for exemption,and forms of responsibility are not clear.The main reason for this is that the theory of people’s liability for loans in China is still controversial,and the application of traditional liability theory has certain limitations.The construction of civil liability for loans in China must be based on a clear theory of lender liability,and the environmental infringement behavior of lenders is actually indirect infringement.It is suggested that under the indirect tort theory,China construct the civil liability of lender with fault liability as the imputation principle,increase the exemption causes in different scenarios and assume the joint liability.

关 键 词：贷款人民事责任 间接侵权 环境侵权 绿色信贷 

分 类 号：H319.4[语言文字—英语]