美国猎杀贷款的法律规制与启示

Legal Provisions of Predatory Lending in U.S. and the Enlightenment

美国次级贷危机的发生,次级贷款营销和发放环节中存在的诱导性、不公平的行为即猎杀贷款是一个重要原因。随着我国的金融管制放开、利率放开和金融创新的推进,极有可能也会有类似情况出现,有必要通过对美国猎杀贷款现象及法律规制研究来完善我国对于此类现象的法律监管。本文对猎杀贷款的表现、美国法律对猎杀贷款的规定进行研究,对美国相关法律存在的问题进行分析,结合我国目前现状,提出应借鉴美国这方面的经验和教训。

One of the important reason of today＇s subprime mortgage loan crisis may be predatory lending, a syndrome of loan abuses that commonly appears in subprime mortgage. Predatory lending, though not common in China, will probably arise in the future as the financial regulation looses and financial innovation deepens. The article analyzes the problem of predatory lending and its countermeasures in U.S., and draws experiences and lessons for China.