民间借贷规制的重点及立法建议

The Key Point of Regulating Personal Loans and Legislation Suggestion

解决我国民间借贷问题的基本出路在于通过法律创新形成制度激励,引导金融资源优化配置。民间借贷立法应当采用自然演进与建构相结合、一般规范与分类规范相结合的多层次立法体系。在重点借鉴美国、英国、香港地区及我国古代相关立法经验的基础上,结合当前人民法院的司法实践和我国小额贷款公司的试点情况,应当尽快修改相关法律并制定专门性法律文件。民间借贷的专门立法应当只对那些以营利为目的且专门从事借贷业务的机构和个人的商事借贷行为进行规范,重点是对主体准入、放贷利率、经营区域、放贷人的资金来源等加以规范。

A basic way to solve the problems of personal loans in China is to form the stimulating system through legal innovation to guide the optimized allocation of the financial resources.The Legislation on personal loans should adopt a multi-level legislation system combine natural evolution with construction and general regulations with classified regulations.On the basis of focusing on borrowing the relevant legislation experience from the U.S.,Britain,Hong Kong Area and Ancient China,the relevant laws and regulations should be revised as soon as possible and the specialized legal documents should be formulated combining the current judicial practices of the people＇s courts and the trial circumstances of the Chinese micro-credit companies.The specialized legislation of personal loans should only regulates the commercial loans behaviors of the organization and persons that specialize in loan business,the priority of which is to regulate subject permit,loan rate,operation area,the financial source of loaner and etc.